Privacy Policy

1. Information We Collect

Creative Benefit Administrators™ ("CBA", "we", "us", "our") operates as a third-party administrator for employee benefits. We collect and process various types of information to provide our services:

Personal Information

• Contact information (name, address, phone number, email address)
• Employment information
• Benefit enrollment and eligibility data
• Personal health information (PHI) as required for benefit administration
• Financial information for claims processing and reimbursements

Automatic Information

When you visit our website at https://cba-tx.com (which also redirects from http://creativebenefitadministrators.com), we may automatically collect:

• Browser type and version
• Operating system
• IP address and location data
• Website usage patterns
• Cookies and similar tracking technologies

2. How We Use Information

We use the collected information for the following purposes:

Primary Business Functions

• Administering employee benefit programs
• Processing claims and reimbursements
• Providing customer support and assistance
• Maintaining compliance with applicable laws and regulations
• Communicating important benefit information

Website Functionality

• Providing access to employer and employee benefit portals
• Maintaining website security and functionality
• Improving user experience and website performance
• Responding to inquiries and support requests

3. Information Sharing

We do not sell, trade, or otherwise transfer your personal information to outside parties except in the following circumstances:

Authorized Disclosures

• Service Providers: We may share information with trusted third-party service providers who assist us in operating our website, conducting our business, or providing services to you
• Legal Requirements: We may disclose information when required by law, regulation, or legal process
• Business Operations: We may share information with employers and benefit carriers as necessary for plan administration
• Emergency Situations: We may disclose information to protect the safety and security of our users or others

Data Protection Measures

All authorized third parties are contractually required to maintain the confidentiality and security of your information and are prohibited from using it for any purpose other than providing services to us.

4. Data Security

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

• Encryption of data in transit and at rest
• Secure server infrastructure and hosting
• Regular security assessments and updates
• Access controls and authentication procedures
• Intrusion detection and monitoring systems

Administrative Safeguards

• Employee training on data privacy and security
• Background checks for personnel handling sensitive data
• Incident response and breach notification procedures
• Regular policy reviews and updates

5. Comments

When visitors leave comments on our website, we collect the data shown in the comments form, and also the visitor's IP address and browser user agent string to help spam detection.

Gravatar Integration

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available at: https://automattic.com/privacy/

After approval of your comment, your profile picture is visible to the public in the context of your comment.

6. Media Uploads

If you upload images to our website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

7. Contact Forms

Information submitted through our contact forms is used solely to respond to your inquiries and provide the requested services or information.

Contact Form Data Handling

• Contact form submissions are processed securely
• Information is retained only as long as necessary to respond to your inquiry
• We do not use contact form information for marketing purposes without explicit consent
• Contact information may be retained for future reference if you become a client

8. Your Rights

You have several rights regarding your personal information:

Access and Correction Rights

• Right to Access: You can request copies of your personal data
• Right to Rectification: You can request correction of inaccurate or incomplete data
• Right to Erasure: You can request deletion of your personal data under certain circumstances
• Right to Portability: You can request transfer of your data to another organization

Communication Preferences

You can opt out of non-essential communications at any time by contacting us directly or using the unsubscribe links provided in our communications.

9. Policy Changes

We reserve the right to modify this privacy policy at any time. Changes will be posted on this page with an updated "Last Modified" date.

Notification of Changes

• Significant changes will be communicated via email to registered users
• Continued use of our services constitutes acceptance of policy changes
• We encourage periodic review of this policy

10. Contact Us

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this website, please contact us using the information provided above.

We are committed to resolving any privacy concerns promptly and transparently. Our team is available during business hours to address your questions and ensure your privacy rights are protected.

For benefit-related inquiries, please use the appropriate login portals provided for employers and employees to ensure secure communication of sensitive information.