Xell Benefits, LLC ("Xell Benefits," "we," "our," or "us") is dedicated to safeguarding your privacy. This Privacy Policy describes how we collect, use, share, and protect your personal information (PI). By accessing our website or using our services, you agree to the practices outlined in this document.

1. Information We Collect

A. Information You Provide
We collect PI you voluntarily provide when:

• Registering for an account
• Requesting a quote
• Communicating with us
• Applying for health plans or financial assistance

Examples of PI include:

• Personal Identifiers: Name, email address, phone number, and mailing address
• Sensitive Data: Social Security number, government-issued ID
• Account Information: Usernames, passwords, payment details

B. Information We Automatically Collect
When you interact with our website, we may collect:

• Device Information: IP address, browser type, operating system
• Usage Data: Pages visited, time spent, and other activity logs
• Cookies and Tracking Tools: For analytics and personalization (see Section 4)

C. Third-Party Sources
We may obtain additional data from public databases, social media, or marketing partners to enhance our services.

2. How We Use Your Information

We use your PI to:

• Process applications and manage accounts
• Deliver and improve services
• Communicate important updates or promotional content
• Ensure legal and regulatory compliance
• Prevent fraud and enhance security

3. Sharing Your Information

We may share your PI with:

• Government Entities: To assist with health plan enrollments (e.g., CMS)
• Service Providers: For payment processing, advertising, and technical support
• Business Transactions: In the event of mergers, acquisitions, or sales

We do not sell your PI to third parties.

4. Cookies and Tracking Technologies

Cookies help us improve website functionality, personalize content, and measure campaign effectiveness. Types include:

• Essential Cookies: Required for core functionality
• Analytics Cookies: Provide insights into user behavior
• Advertising Cookies: Deliver targeted ads

You can manage cookies via browser settings.

5. Data Retention

We retain your PI for as long as necessary to fulfill the purposes outlined here or comply with legal obligations (e.g., CMS mandates require 10 years). When no longer needed, your PI is securely deleted or anonymized.

6. Protecting Your Information

We employ technical and organizational measures to secure your PI. While we strive to protect your data, no system is entirely secure. Access our website within secure environments and take necessary precautions.

7. Your Rights

General Rights:

• Access and Correction: Request a copy or updates to your PI
• Data Deletion: Submit a request to delete your PI
• Marketing Preferences: Opt-out of promotional messages

California Residents:

• CCPA Rights: Request details on PI collected, shared, or disclosed
• Sensitive Data: Restrict its use to essential purposes

Contact us at info@xellbenefits.com to exercise these rights.

8. Children’s Privacy

Our services are not directed at individuals under 18 years of age. If we discover PI from minors, we promptly delete it. Report any concerns to info@xellbenefits.com.

9. Mobile Information and SMS/Text Messaging Data

No mobile information will be sold, rented, or shared with third parties or affiliates for their own marketing or promotional purposes.

Mobile telephone numbers, SMS/text messaging opt-in data, SMS consent records, and messaging preferences will not be sold, rented, or shared with third parties or affiliates for marketing or promotional purposes.

This restriction does not prevent Xell Benefits from sharing information with Service Providers that assist us in operating our messaging program, providing communications at your request, or performing services on our behalf, provided those Service Providers are subject to appropriate contractual or legal obligations.

Your SMS consent is specific to the messaging program for which you provided consent and does not constitute consent to receive marketing messages from unrelated third parties.

10. SMS/Text Messaging

If you separately consent to receive SMS/text messages, Xell Benefits may send messages relating to your request for health insurance information, Marketplace plan information, eligibility assistance, financial assistance, enrollment assistance, insurance quotes, appointments, customer service, or other services or communications covered by your consent.

Message frequency varies.

Message and data rates may apply.

You may opt out of SMS communications at any time by replying STOP.

For assistance, reply HELP or contact us at:
Phone: 888 794 0388
Email: info@xellbenefits.com

After you opt out, you may receive a confirmation message. You will not receive additional messages through the applicable messaging program unless you provide new consent.

Carriers are not liable for delayed or undelivered messages.

11. Updates to This Policy

We may revise this Privacy Policy periodically. Updates will be posted with a new "Effective Date." Please review this policy regularly.

12. Contact Us

For questions, concerns, or exercising your rights, contact us at info@xellbenefits.com

13. Cookie Policy Summary

• Purpose: To enhance functionality, analytics, and personalization
• Management: Adjust settings via browser.
• Third-Party Cookies: Used for targeted ads and analytics by partners such as Google and Facebook