PAKG Benefits Privacy Policy

PAKG Benefits (“PAKG,” “we,” “us,” or “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you visit our website, contact us, use our online tools, or otherwise interact with us through the website.

This Privacy Policy applies to information collected through this website. It does not replace any separate privacy notice, insurance information-practices notice, plan notice, carrier notice, employer notice, or other disclosure that may apply to an insurance transaction, employee benefit plan, customer relationship, or other service provided by PAKG.

Information We Collect

Information You Provide to Us

We may collect information that you voluntarily provide, including:

• your name;
• company or organization;
• business email address;
• telephone number;
• state;
• approximate number of employees;
• information included in messages or inquiries you send us;
• information you choose to provide when requesting a benefits review; and
• other information you voluntarily submit through the website.

Our Benefits Assessment may process answers you provide in order to generate an on-screen result. You are not required to provide contact information to view that result. If you choose to submit your result or contact information to PAKG afterward, the information you submit may be transmitted to us.

Information Collected Automatically

When you access the website, PAKG and the providers that operate or secure the website may automatically receive certain technical information, which may include:

• Internet Protocol address;
• browser type and version;
• device type;
• operating system;
• pages viewed;
• date and time of access;
• referring website or page;
• general geographic information derived from an IP address;
• diagnostic, security, and error information; and
• similar technical information necessary to operate, protect, and maintain the website.

We do not currently intentionally deploy advertising pixels or behavioral advertising technologies on the website.

Please Do Not Submit Sensitive Information Through This Website

The public website and its contact forms are not intended to receive medical records, claims documentation, Social Security numbers, financial account information, passwords, detailed health information, diagnoses, treatment information, or other highly sensitive personal information.

Please do not submit protected health information or other sensitive information through a general website form.

If PAKG needs sensitive information in connection with services provided to you or your organization, we will provide an appropriate method for transmitting that information.

How We Use Information

We may use personal information to:

• respond to questions and requests;
• communicate with prospective and existing clients;
• schedule or conduct a benefits review;
• provide information about PAKG's services;
• understand the size, location, or needs of an organization seeking information from us;
• operate, maintain, secure, troubleshoot, and improve the website;
• prevent spam, fraud, abuse, and security incidents;
• maintain business and compliance records;
• comply with applicable law, regulation, legal process, licensing requirements, and contractual obligations;
• establish, exercise, or defend legal rights; and
• facilitate a business transaction involving PAKG if applicable.

We do not use information submitted through the website to make automated decisions that produce legal or similarly significant effects concerning an individual.

How We Disclose Information

We may disclose personal information to the following categories of recipients when reasonably necessary for the purposes described in this Policy.

Service Providers

We may use vendors that provide website hosting, form processing, communications, security, technology, professional services, or other operational support.

For example, the website currently uses Formspree to process website form submissions. Information submitted through a Formspree-powered form is transmitted to Formspree and may be maintained within the PAKG Formspree account.

Service providers are permitted to process information for the services they provide to us, subject to applicable agreements and law.

Professional Advisers

We may disclose information to attorneys, accountants, auditors, consultants, insurers, and other professional advisers when reasonably necessary.

Legal and Compliance Purposes

We may disclose information if we reasonably believe disclosure is necessary to:

• comply with law, regulation, subpoena, court order, or other legal process;
• respond to a lawful request from a regulator or government authority;
• protect the rights, property, or safety of PAKG, our clients, website visitors, or others;
• investigate fraud, abuse, security incidents, or unlawful activity; or
• establish, exercise, or defend legal claims.

Business Transactions

Information may be transferred as part of a merger, acquisition, reorganization, financing, sale of assets, change in control, or similar transaction, subject to applicable law.

Sale, Sharing, and Targeted Advertising

PAKG does not currently sell personal information for money.

PAKG does not currently use personal information collected through this website for cross-context behavioral advertising or targeted advertising based on a visitor's activity across unrelated websites or services.

If our practices materially change, we will update this Policy and provide any choices required by applicable law.

Cookies and Similar Technologies

The website may use cookies, local storage, server logs, or similar technologies that are necessary to operate, secure, or maintain the website.

We do not currently intentionally deploy third-party advertising cookies or behavioral advertising pixels.

PAKG provides a cookie preferences tool that allows visitors to manage optional cookie categories. Necessary technologies remain enabled because they are required for website operation. Optional categories remain disabled unless enabled by the visitor.

Additional information is available in our Cookie Policy.

Data Retention

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including to:

• respond to an inquiry;
• maintain a business relationship;
• maintain appropriate business records;
• meet contractual, regulatory, insurance, tax, or legal obligations;
• resolve disputes;
• enforce agreements; and
• protect against fraud, abuse, or security incidents.

Retention periods may vary depending on the type of information, the relationship involved, and applicable legal or regulatory requirements.

We may retain aggregated or de-identified information that does not reasonably identify an individual.

Data Security

We use reasonable administrative, technical, and organizational measures intended to protect personal information.

No website, transmission method, or storage system can be guaranteed to be completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted through the Internet.

You are responsible for using appropriate care when deciding what information to send electronically.

Your Privacy Rights

Depending on where you reside and whether a particular privacy law applies to PAKG or the relevant processing activity, you may have rights concerning your personal information.

These rights may include the right to:

• confirm whether we process your personal information;
• access personal information about you;
• obtain a copy of certain personal information;
• correct inaccurate personal information;
• request deletion of personal information;
• obtain information concerning certain third parties to which personal information has been disclosed;
• opt out of certain sales, targeted advertising, or qualifying profiling;
• withdraw consent where processing depends on consent;
• appeal certain decisions regarding a privacy request; and
• receive equal service and treatment when exercising applicable privacy rights.

These rights are subject to applicable exceptions, exemptions, verification requirements, and legal limitations.

We may decline a request where permitted or required by law and will provide information about an appeal process when applicable law requires one.

How to Submit a Privacy Request

You may submit a privacy request through the Contact page of this website. Please state clearly that your message concerns a Privacy Request.

You may also contact PAKG at:

We may need to verify your identity before processing a request. We will use information provided for verification only for purposes reasonably related to verifying and responding to the request.

Where applicable law permits an authorized agent to make a request, we may require proof of the agent's authority and may independently verify the identity of the individual concerned.

Global Privacy Control and Other Opt-Out Signals

Certain state laws require covered businesses engaging in specified sales or targeted advertising practices to recognize qualifying browser-based universal opt-out mechanisms.

PAKG does not currently sell personal information or use the website for targeted advertising as those terms are generally used in comprehensive state privacy laws.

If our practices change and applicable law requires recognition of a universal opt-out signal such as Global Privacy Control, we will implement appropriate mechanisms and update this Policy.

Children

This website is intended for business and professional audiences and is not directed to children under 13.

We do not knowingly collect personal information from children under 13 through this website. If you believe a child has provided personal information through the website, please contact us so that we can review the matter and take appropriate action.

Third-Party Websites

The website may contain links to websites or services operated by third parties.

PAKG does not control the privacy, security, content, or practices of third-party websites. This Privacy Policy does not apply to information collected directly by those third parties.

You should review the privacy policies of third-party services before providing information to them.

United States Website

PAKG operates in the United States and this website is directed primarily to U.S. businesses and users.

If you access the website from outside the United States, information may be processed in the United States or other locations in which our service providers operate.

Insurance and Employee Benefits Information

Information collected in connection with an actual insurance transaction, insurance policy, employee benefit plan, employer relationship, or brokerage relationship may be subject to additional legal requirements and separate privacy or information-practices notices.

This Website Privacy Policy does not replace those notices.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, services, legal obligations, or other circumstances.

The “Last Updated” date above indicates when this Policy was most recently revised.

Material changes will be communicated as required by applicable law.

Contact Us

Questions about this Privacy Policy may be submitted through our Contact page or by calling: