Last updated April 30, 2025

This Privacy Notice for Vanguard Benefits Inc (“we,” “us,” or “our”) describes how and why we access, collect, store, use, and share (“process”) your personal information when you use our services (“Services”), including when you:

• Visit our website at http://www.vanguardbenefit.com or any site that links to this Privacy Notice
• Engage with us in other related ways, including any sales, marketing, events, or SMS/MMS communications

If you do not agree with our policies and practices, please do not use our Services. Questions? Contact us at [email protected].

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SUMMARY OF KEY POINTS

• What personal information do we process? When you use our Services, we may process personal information depending on how you interact, the choices you make, and the features you use.
• Do we process sensitive personal information? Yes—only with your consent or as permitted by law (e.g., health data, financial data, government identifiers).
• Do we collect any information from third parties? No, we do not.
• How do we process your information? To provide, improve, and administer our Services; to communicate with you; for security; and to comply with legal obligations.
• When and with whom do we share your information? Only in limited circumstances (e.g., service providers, affiliates, business transfers).
• Do we use cookies and tracking technologies? Yes—read Section 4 for details.
• How long do we keep your information? As long as necessary to fulfill the purposes outlined, unless otherwise required by law.
• How do we keep your information safe? We maintain technical and organizational safeguards—but no system is 100% secure.
• What are your rights? Depending on your location, you may have rights to access, correct, delete, or restrict processing of your personal information.
• How can you exercise your rights? See Sections 8, 10, and 13.
• SMS & Mobile Messaging Compliance. If you opt in to receive text messages from us, we follow all TCPA, CTIA, and carrier requirements—see Section 14 below.

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TABLE OF CONTENTS

1. WHAT INFORMATION DO WE COLLECT?
2. HOW DO WE PROCESS YOUR INFORMATION?
3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
5. HOW LONG DO WE KEEP YOUR INFORMATION?
6. HOW DO WE KEEP YOUR INFORMATION SAFE?
7. DO WE COLLECT INFORMATION FROM MINORS?
8. WHAT ARE YOUR PRIVACY RIGHTS?
9. CONTROLS FOR DO-NOT-TRACK FEATURES
10. UNITED STATES RESIDENTS’ SPECIFIC RIGHTS
11. UPDATES TO THIS NOTICE
12. CONTACTING US
13. REVIEWING, UPDATING, OR DELETING YOUR DATA
14. SMS & MOBILE MESSAGING

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1. WHAT INFORMATION DO WE COLLECT?

Personal Information You Provide.
We collect information you voluntarily give us, including:

• Identifiers: name, email, phone number, billing address
• Contact preferences and account credentials
• Sensitive data, if you consent (health, financial, government IDs, genetic data, student data)

Information Automatically Collected.
When you use our Services, we may automatically collect:

• Log & Usage Data: IP address, device/browser info, pages viewed, timestamps, error reports
• Device Data: hardware/software details, location (GPS, IP)
• Cookies & Tracking: unique identifiers to provide, secure, and improve our Services

You may disable location tracking or refuse cookies via your device/browser settings, but that could affect functionality.

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2. HOW DO WE PROCESS YOUR INFORMATION?

We process your personal data for purposes including:

• Service provision: to deliver and maintain our Services
• Communication: to send service-related messages, marketing (if you opt in), and support
• Security & fraud prevention: to protect our users and systems
• Legal compliance: to comply with regulations and respond to legal requests
• Improvements: to analyze trends, feedback, and effectiveness of our marketing

We only process your data when we have a lawful basis (consent, contract, legal obligation, legitimate interest).

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3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?

We share your data only as necessary:

• Service providers (e.g., hosting, analytics, payment processors) under contract
• Affiliates (our parent company, subsidiaries) bound to honor this Notice
• Business transfers (mergers, acquisitions, asset sales)—you’ll be notified of any change
• Legal obligations (to comply with court orders, investigations)

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4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

Yes. We use cookies, web beacons, pixels, and similar tools to:

• Keep you logged in and save preferences
• Secure our Services and prevent fraud
• Measure and improve site performance
• Deliver personalized advertising

Third parties (e.g., Google Analytics, ad networks) may also deploy cookies on our site. To opt out of Google Analytics tracking, visit https://tools.google.com/dlpage/gaoptout. For more cookie controls, see your browser settings.

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5. HOW LONG DO WE KEEP YOUR INFORMATION?

We retain personal data only as long as needed for the purposes described, or as required by law (e.g., tax records). When we no longer need to process your information, we’ll delete it or anonymize it; backups may persist in secure archives until deletion is possible.

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6. HOW DO WE KEEP YOUR INFORMATION SAFE?

We implement appropriate technical (encryption, access controls) and organizational (policies, training) measures to protect your data. However, no internet transmission or storage is fully secure, so we cannot guarantee absolute protection against unauthorized access.

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7. DO WE COLLECT INFORMATION FROM MINORS?

We do not knowingly collect or market to anyone under 18. If you’re under 18, please do not use our Services or provide us with personal data. If we learn we’ve collected data from a minor, we will delete it promptly.

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8. WHAT ARE YOUR PRIVACY RIGHTS?

Depending on your jurisdiction, you may have rights to:

• Access, correct, or delete your personal data
• Restrict or object to processing for marketing or profiling
• Withdraw consent where we rely on it
• Opt out of sale/sharing of personal information under U.S. state laws

To exercise these rights, contact us (see Section 12). We may need to verify your identity before fulfilling requests.

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9. CONTROLS FOR DO-NOT-TRACK FEATURES

We do not currently respond to browser “Do Not Track” signals, as there is no industry standard for honoring them. If that changes, we’ll update this Notice.

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10. UNITED STATES RESIDENTS’ SPECIFIC RIGHTS

If you live in a covered state (e.g., California, Colorado, Connecticut, Florida, New York, etc.), you may have additional rights under your state’s privacy laws, including:

• Right to know what categories of personal information we’ve collected, used, and shared
• Right to obtain details about specific data disclosures for marketing purposes (“Shine the Light” law)
• Right to non-discrimination for exercising privacy rights

For more, see Section 13 and your state’s statutes.

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11. UPDATES TO THIS NOTICE

We may update this Privacy Notice to reflect changes in our practices or legal requirements. When we do, we’ll revise the “Last updated” date and, if changes are material, provide additional notice (e.g., email).

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12. CONTACTING US

If you have questions or concerns about this Notice, please email us at [email protected] or write to:

sqlCopyEditVanguard Benefits Inc  
1601 New Road, Suite 100  
Northfield, NJ 08225  
United States

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13. REVIEWING, UPDATING, OR DELETING YOUR DATA

You may request to access, correct, update, or delete your personal data by emailing [email protected] or submitting a Data Subject Access Request via our website’s contact form. We will respond in accordance with applicable law.

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14. SMS & MOBILE MESSAGING

What you’re signing up for. When you provide your mobile number and opt-in, you agree to receive automated marketing and transactional messages from Vanguard Benefits Inc.

Message frequency & cost.

• You may receive up to 6 messages per month.
• Msg & data rates may apply.

How to opt-out.

• Text STOP to our short code or toll-free number at any time to unsubscribe.
• After you opt-out, we will send one final confirmation message.
• For help, text HELP or call 1-800-123-4567.

Hours of operation.

• You will only receive texts between 9 AM and 8 PM Eastern Time.

Identification of sender.

• Messages will come from Vanguard Benefits Inc via [short code or toll-free number].

Carrier compliance.

• We adhere to the TCPA, CTIA Messaging Principles, and applicable carrier guidelines.
• We are not responsible for undelivered or delayed messages due to carrier issues.

Full terms & privacy.

• For complete details, visit our Privacy Notice at http://www.vanguardbenefit.com/privacy and Terms of Service at http://www.vanguardbenefit.com/terms.

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Thank you for trusting Vanguard Benefits Inc with your personal information. We’re committed to handling it with care, transparency, and respect.