Privacy Policy / Legal Disclaimer

Information Collection & Use

Registration

Empower Benefits corporate website does not collect any information or require information collection to view the site.  However, Empower Benefits does have a two password protected portals.   In order to use the portals, you must use a login and password.  In some cases, the login and password will be personal information given to Empower Benefits by you or your employer. We use this information to allow you to login into the site to access the services.

Empower Benefits is the sole owner of the information collected on the Empower Benefits sites. Empower Benefits collects personally identifiable information from our users only in voluntary registration points on our web site such as the Newsletter registration.

Orders

If you purchase a product or service from us, we request certain personally identifiable information from you on our order form. You must provide contact information (such as name, email, and shipping address) and financial information (such as credit card number, expiration date). 

We use this information for billing purposes and to fill your orders.  If we have trouble processing an order, we will use this information to contact you.

If you purchase products from one of our affiliate partners on our site we will not receive personal information from them about your purchase.

Payroll Deduction Transaction Information

Surveys or Contests

From time-to-time we may provide you the opportunity to participate in contests or surveys on our site.  If you participate, we may request certain personally identifiable information from you. Participation in these surveys or contests is completely voluntary and you therefore have a choice whether or not to disclose this information.  The requested information typically includes contact information (such as name and shipping address), and demographic information (such as zip code). 

We use this information to notify contest winners and award prizes, to monitor site traffic or personalize the site (in the case of anonymous information collected in surveys), or to send participants an email newsletter.

We may use a third party service provider to conduct these surveys or contests; that company will be prohibited from using our users’ personally identifiable information for any other purpose. We will not share the personally identifiable information you provide through a contest or survey with other third parties unless we give you prior notice and choice.

Communications from the Site

Special Offers and Updates

If you request, we will occasionally send you information on products, services, special deals, promotions. You can sign up for these emails from us on our registration page.

Out of respect for your privacy, we present the option not to receive these types of communications.  Please see the “Choice and Opt-out.”

Newsletters

If you wish to subscribe to our newsletter(s), we will use your name and email address to send the newsletter to you.  Out of respect for your privacy, we provide you a way to unsubscribe.  Please see the “Choice and Opt-out” section.

Service-related Announcements

We will send you strictly service-related announcements on rare occasions when it is necessary to do so.  For instance, if our service is temporarily suspended for maintenance, we might send you an email. 

Generally, you may not opt-out of these communications, which are not promotional in nature.  If you do not wish to receive them, you have the option to deactivate your account. .  

Customer Service

Based upon the personally identifiable information you provide us, we will send you a welcoming email to verify your username and password.  We will also communicate with you in response to your inquiries, to provide the services you request, and to manage your account. We will communicate with you by email or telephone, in accordance with your wishes.  If you communicate with our customer service staff or third party customer service company your information will be collected to better serve you in your inquiry or request.

Profile

We store information that we collect through cookies, log files, clear gifs, [and/or third party sources] to create track site usage.  We do not tie your personally identifiable information, or your purchasing history, to information in the profile, in order to provide tailored promotions and marketing offers and to improve the content of the site for you. 

Your purchase history will be stored for your viewing when using our payroll deduction software.  This information is for you use to track payments and services purchased.

We share your profile in aggregate form only for site usage. We do not share your profile together with your personally identifiable information.

Information Sharing and Disclosure

Aggregate Information (non-personally identifiable)

We share aggregated demographic information about our user base with our partners, clients and advertisers.  This information does not identify individual users.

We do not link aggregate user data with personally identifiable information.  We do not sell information to third parties.

Personally identifiable information:

Agents 

We at times, may use an outside shipping or call center company to fulfill orders, provide customer service or a credit card processing company to bill you for goods and services. These companies do not retain share, store or use personally identifiable information for any other purposes.

Service Providers

We work with other third parties in which we market their products or services on our site.  When you sign up for these third party service providers they will require certain information from you to provide you services. 

Please refer to each service provider’s privacy policy for more information. 

Legal Disclaimer

We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Web site

Choice/Opt-out

We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information.  For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form.

If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing us at info@mpowerbenefits.com

You will be notified when your personal information is collected by any third party that is not our agent/service provider, so you can make an informed choice as to whether or not to share your information with that party.

Log Files

As is true of most Web sites, we gather certain information automatically and store it in log files.  This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data. 

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. 

We may use a third-party tracking service that uses cookies to track non-personally identifiable information about visitors to our site in the aggregate for the purpose of making our site better and discussing states with partners and clients.

Cookies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We may use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

We may use both session ID cookies and persistent cookies.  We may use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies using the tools/internet options on your browser.

We may set a persistent cookie to store your passwords, so you don’t have to enter it more than once.  Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. 

If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, may be limited.

Some of our business partners (e.g., advertisers) use cookies on our site.  We have no access to or control over these cookies. See “Third Party Advertisers.”

This privacy statement covers the use of cookies by www.mpowerbenefits.com  and this site only and does not cover the use of cookies by any advertisers.

Clear Gifs (Web Beacons/Web Bugs)

We employ, and our third party advertising partner employ, a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us what content is effective.  Clear gifs are tiny graphics with a unique identifier, similar in function to cookies, and are used to track the online movements of Web users.  In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.

We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients.  This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns.  If you would like to opt-out of these emails, please see “Choice and Opt-out.”

Third Party Advertisers

The ads appearing on this Web site are delivered to users by a third party advertising partner.   We share Web site usage information with a reputable third party for the purpose of targeting our Internet banner advertisements on this site.

 Our third party advertiser uses cookies and clear GIFs on this site, which allow it to recognize a user's cookie when a user visits this site. The information that it collects and shares through this technology is not personally identifiable. 

Links to Other Sites

This Web site contains links to other sites that are not owned or controlled by Empower Benefits. Please be aware that we, Empower Benefits, are not responsible for the privacy practices of such other sites. 

We encourage you to be aware when you leave our site and to read the privacy statements of each and every Web site that collects personally identifiable information. 

This privacy statement applies only to information collected by this Web site.

Co-branded sites
Our service providers’ or affiliates’ sites may be co branded with Empower’s branding but we do not collect personally identifiable information from these sites.

Bulletin Boards/Chat Rooms
If you use a bulletin board or chat room on this site, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages.  We are not responsible for the personally identifiable information you choose to submit in these forums.

Access to Personally Identifiable Information

If your personally identifiable information changes, or if you no longer desire our service, you may correct, update, delete or deactivate it by making the change on our member information page or by emailing our Customer Support at info@mpowerbenefits.com or by contacting us by telephone or postal mail at the contact information listed below.

Security

The security of your personal information is important to us.  When you enter sensitive information (such as credit card number and/or social security number) on our registration or order forms, we encrypt that information using secure socket layer technology (SSL).

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.  No method of transmission over the Internet, or method of electronic storage, is 100% secure, however.  Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security on our Web site, you can send email us at info@mpowerbenefits.com

Business Transitions

In the event Empower Benefits goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred.  You will be notified via email of any such change in ownership or control of your personal information.

Changes in this Privacy Statement

If we decide to change our privacy policy, we will post those changes to this privacy statement on the privacy statement page or other places we deem necessary so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. 

We reserve the right to modify this privacy statement at any time, so please review it frequently.  If we make material changes to this policy, we will notify you here, by email, or by means of a notice on our home page.

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