Safe. Secure. Confidential

Privacy Policy

1. Information We Collect

Income Protection USA (“Company,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, and protect information when you visit our website, incomeprotectionusa.com (the “Site”), and when you interact with us in connection with our Section 105 health and wellness plans and group benefits services.

By using the Site, you agree to the terms of this Privacy Policy.

Information you provide directly

We only collect personal information that you voluntarily provide to us, such as when you:

・Join an email list or subscribe to updates

・Request information about our services

・Contact us through a form or by email

The primary type of information we collect is:

・Email address

If you choose to include it in your message, we may also receive your name or other contact details, but our forms are designed to collect only your email address by default.

Information collected automatically

Like most websites, basic technical information may be automatically collected by your browser or device (such as IP address, browser type, device type, and the pages you visit). This information is typically aggregated and not used to personally identify you. It is used to operate and improve the Site.

(If you use specific analytics or tracking tools, you can expand this section later.)

2. How We Use Your Information

We use the information we collect, including your email address, to:

・Respond to your inquiries and provide information you request

・Send newsletters, updates, or educational content about Section 105 plans, health and wellness, and group benefits (if you choose to receive such communications)

・Manage our relationship with employers, benefits professionals, and other partners

・Maintain, operate, and improve the Site and our services

・Comply with legal and regulatory requirements, and protect our rights and the rights of others

You may opt out of marketing emails at any time by following the unsubscribe link in the email or contacting us directly.

3. Legal Bases for Processing (If Applicable)

If you are located in a jurisdiction that requires a legal basis for processing personal data (such as the EU, UK, or certain US states), we rely on:

・Your consent (for example, when you subscribe to receive email communications)

・Our legitimate interests in operating and improving our Site and services, and in communicating with existing and prospective clients and partners

・Compliance with legal obligations

4. How We Share Your Information

We do not sell your personal information.

We may share your information in limited circumstances, including:

・With service providers and vendors who help us operate the Site, send email communications, or provide other business support, subject to confidentiality obligations

・As required by law, regulation, legal process, or governmental request

・When necessary to protect our rights, safety, or property, or that of our users or others

・In connection with a business transaction, such as a merger, acquisition, reorganization, or asset sale, where your information may be transferred as part of that transaction

We do not share your email address with unrelated third parties for their own independent marketing purposes.

5. Data Retention

We retain your email address and any related information for as long as needed to:

・Provide you with the communications or services you requested

・Maintain our relationship with employer groups, brokers, and other partners

・Comply with our legal and regulatory obligations

・Resolve disputes and enforce our agreements

When we no longer need your information for these purposes, we will delete it or de-identify it in a reasonable manner, unless we are required by law to keep it longer.

6. Your Choices and Rights

You have certain choices regarding how we use your information:

・Email communications: You can unsubscribe from marketing or informational emails at any time by clicking the “unsubscribe” link in the email or contacting us using the information in the “Contact Us” section below.

・Updating information: If you believe the information we have about you is inaccurate or incomplete, you may contact us to request an update or correction.

Depending on your location, you may have additional rights under applicable privacy laws (for example, rights of access, deletion, or restriction). We will respond to such requests in accordance with applicable law.

7. Cookies and Similar Technologies

Our Site may use cookies or similar technologies to help it function properly, understand how visitors use the Site, and improve performance.

・Essential cookies: Used to operate the Site and provide basic functionality.

・Performance/analytics cookies: Used (if enabled) to understand how visitors interact with the Site in aggregate so we can improve our content and services.

・You can typically disable or manage cookies through your browser settings. If you disable cookies, some features of the Site may not work as intended.

(If you implement a specific cookie banner or analytics solution in the future, this section can be updated to reflect that.)

8. Security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information against accidental, unlawful, or unauthorized access, destruction, loss, alteration, or disclosure.

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, and you use the Site and provide information at your own risk.

9. Children’s Privacy

Our Site and services are intended for adults and for organizations (such as employers and benefits professionals) in the group benefits space. They are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13.

If we learn that we have collected personal information from a child under 13, we will take reasonable steps to delete that information as soon as practicable.

10. Third-Party Websites

The Site may contain links to third-party websites, services, or resources. We are not responsible for the privacy practices or the content of those third parties.

If you follow a link to another website, that website’s privacy policy will apply. We encourage you to review the privacy policies of any third-party sites you visit.

11. International Visitors

Our business is focused primarily on group benefits and Section 105 plans within the United States. If you access the Site from outside the United States, you understand that your information may be transferred to, stored in, and processed in the United States or other jurisdictions that may not provide the same level of data protection as your home country.

By using the Site, you consent to the transfer of your information to the United States and the processing of your information in accordance with this Privacy Policy.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top of this page.

Material changes may be communicated by a notice on the Site or by email, where required by law. Your continued use of the Site after any changes indicates your acceptance of the updated Privacy Policy.

13. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, or if you wish to exercise your rights or update your information, please contact us at:

Income Protection USA

Email: [email protected]

[email protected]

Address: Headquarters: Cary, NC 27518-8549, US