Privacy Policy for Client Information Collection

Effective Date: February 24, 2026

Welcome to America’s Benefits Center (“Company,” “we,” “us,” or “our”). This combined Privacy Policy and Terms of Service explains how we collect, use, protect, and disclose your information, as well as the terms governing your use of our services, including SMS communications.

By using our website or submitting your information, you agree to the terms outlined below.

1. Description of Services

America’s Benefits Center provides insurance-related services including but not limited to:

  • Life Insurance

  • Mortgage Protection Insurance

  • Group Health Insurance

  • Medicare Plans

  • Voluntary Benefits

2. Information We Collect

We may collect the following categories of information:

Personal Information

  • Full name

  • Date of birth

  • Phone number

  • Email address

  • Home address

  • Social Security Number (when required for insurance applications)

  • Employment details

  • Medical or health information (if required by insurers)

  • Financial information (if required for policy processing)

Technical & Usage Information

  • IP address

  • Browser type

  • Device type

  • Cookies and tracking technologies

  • Website interaction data

3. How We Use Your Information

We use collected information to:

  • Process insurance applications

  • Provide quotes and policy services

  • Verify identity and eligibility

  • Communicate regarding appointments, policies, billing, and updates

  • Send SMS and email notifications (if you opt in)

  • Improve website functionality and services

  • Comply with legal and regulatory requirements

4. SMS Messaging Program & Opt-In Details

By providing your phone number and checking the SMS consent box, you expressly consent to receive text messages from America’s Benefits Center regarding:

  • Appointment reminders

  • Policy updates

  • Insurance notifications

  • Billing reminders

  • Promotional offers related to insurance products

Message frequency varies. Message and data rates may apply.

You may opt out at any time by replying:

  • STOP to cancel

  • HELP for assistance

You may also contact us directly at:

📞 470-295-2477
📧 Services@AmericasBenefitsCenter.com

Consent to receive SMS messages is not a condition of purchase.

5. Mobile Information & Data Sharing

If you opt in to receive SMS communications:

  • We collect your phone number and record of consent.

  • Your mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

  • All categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.We do not sell, rent, or trade your personal information.

We may share information only when necessary with:

  • Insurance carriers and underwriting partners

  • Payment processors

  • Legal or regulatory authorities

6. Message & Data Rates Disclosure

Standard message and data rates may apply depending on your mobile carrier plan. Carriers are not liable for delayed or undelivered messages.

7. Data Security & Handling

We implement industry-standard safeguards including:

  • SSL encryption

  • Secure servers

  • Restricted internal access

However, no method of data transmission over the Internet is 100% secure.

8. Cookies & Tracking Technologies

We use cookies and similar technologies to:

  • Improve website functionality

  • Analyze traffic and performance

  • Personalize user experience

You may disable cookies in your browser settings.

9. User Rights

You may:

  • Request access to your personal data

  • Request correction of inaccurate information

  • Request deletion (subject to legal retention requirements)

  • Withdraw marketing consent at any time

To exercise these rights, contact:

📞 470-295-2477
📧 Services@AmericasBenefitsCenter.com

10. Age Restriction

You must be 18 years or older to use our services or opt into SMS communications.

11. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of third-party websites.

12. Data Retention

We retain personal data only as long as necessary to:

  • Provide services

  • Fulfill legal and regulatory obligations

  • Resolve disputes

After that, data is securely disposed of.

13. Updates to This Policy

We may update this document periodically. Updates will be reflected by modifying the Effective Date.

14. Contact Information

America’s Benefits Center
470-295-2477
Services@AmericasBenefitsCenter.com