Who we are
Your Benefits Team is the servicing division of Your Benefits Team Inc., dba Benefit Bloc, an employee benefits administration and brokerage firm based in Florida. In this policy, "we," "us," and "our" mean Your Benefits Team Inc.
We work with employers to administer their benefit plans and support their employees. That means we handle information about two different groups: people who visit our website or contact us directly, and employees of the companies we serve.
What this policy covers
This policy applies to yourbenefits.team, our marketing and support pages, our email and text message programs, and the benefits tools we operate for our clients.
It does not apply to third-party sites we link to, including Employee Navigator, insurance carrier portals, and payroll systems. Those services have their own privacy policies, and we encourage you to read them.
If you are an employee of one of our client companies: the health information in your benefit plan records is protected under HIPAA. We handle that information as a business associate of your employer's group health plan, under a written business associate agreement and the terms of your plan's Notice of Privacy Practices. Where HIPAA or your plan's notice conflicts with anything in this policy, those govern.
Information we collect
We collect only what we need to answer your question, run a benefit plan, or improve how our site works.
- You give us
- Your name, email address, phone number, employer, and whatever you write in a message when you contact us, request a demo, or ask for help.
- Your employer gives us
- Eligibility and enrollment information needed to administer the plan — name, contact details, date of birth, dependents, employment status, and elections. We receive this under our agreement with your employer.
- Collected automatically
- IP address, browser and device type, pages viewed, referring page, and approximate location derived from IP. Collected through cookies and similar technologies — see Cookies and your opt-out.
- From our providers
- Whether an email we sent was delivered, opened, or clicked; whether a text message was delivered; and whether you unsubscribed or replied STOP.
We do not buy contact lists, and we do not sell personal information.
How we use information
We use the information we collect to:
- Respond to your questions and provide benefits support
- Administer benefit plans and enrollment on behalf of our client employers
- Send plan notices, enrollment reminders, and other service communications
- Send marketing email or text messages, where you have opted in
- Understand which pages people use, so we can make the site more useful
- Protect our systems, prevent fraud, and meet legal and regulatory obligations
We do not use your information for automated decisions that produce legal or similarly significant effects about you, and we do not use it to target advertising to you on other websites.
Email from us
We send email through Twilio SendGrid. Two kinds of email come from us, and they work differently:
- Service email — enrollment deadlines, plan notices, replies to something you asked us. If you are enrolled in a plan we administer, you receive these because they are part of the service, and they continue even if you unsubscribe from marketing.
- Marketing email — news, product updates, and invitations. You can stop these at any time.
Every marketing email includes an unsubscribe link in the footer along with our physical mailing address. Unsubscribing takes effect immediately. You can also email helpdesk@yourbenefits.team and we will remove you.
Our emails may include a small tracking pixel that tells us whether the message was opened and which links were clicked. We use this to see whether our messages are useful, not to track you across other websites. Turning off image loading in your email client prevents it.
Text messages
We send text messages through Twilio. We text you only if you have given us your mobile number and agreed to receive messages — for example, by checking a consent box, replying to a message, or asking us to text you.
We do not sell, rent, share, or otherwise disclose mobile phone numbers or SMS consent to any third party for their own marketing purposes. Numbers collected for text messaging are used only to send you the messages you signed up for, and are shared only with the messaging providers that deliver them on our behalf.
Opting out and getting help
- Reply STOP to any message to stop receiving texts. We will send one confirmation and then stop.
- Reply HELP for assistance, or call or text us at 321-234-0707.
- Message and data rates may apply. Message frequency varies.
- Carriers are not liable for delayed or undelivered messages.
Consent to receive marketing texts is never a condition of enrolling in a benefit plan or receiving service from us.
AI assistance
Some of our tools use artificial intelligence to answer benefits questions from your employer's plan documents. When you use one:
- Answers come from the plan documents loaded for your employer, not from generic internet content.
- Your questions are processed by our AI provider under a contract that prohibits using your information to train their models.
- Plan documents we load are plan-level materials — summaries, certificates, and benefit guides — not individual medical records.
- An AI answer is a summary. If it conflicts with the official plan documents or your certificate of coverage, those documents govern.
How long we keep it
We keep information for as long as we need it for the purpose we collected it, and then for as long as required by law, our client agreements, and insurance recordkeeping rules. Benefits and enrollment records are generally retained for the period required under ERISA and applicable state law. Marketing contact records are kept until you unsubscribe, plus a suppression record so we do not accidentally email you again.
How we protect it
We use encryption in transit, access controls that limit information to the people who need it, audited cloud infrastructure, and written agreements with the vendors who handle data for us. Staff receive privacy and security training appropriate to their role.
No system is perfectly secure. If a breach affects your information, we will notify you and the appropriate authorities as required by Florida law and any other law that applies.
Your choices and rights
Whatever state you live in, you can ask us to:
- Tell you what personal information we hold about you
- Correct information that is wrong
- Delete information we no longer need to keep
- Stop sending you marketing email or text messages
- Turn off analytics cookies — use the control in Cookies and your opt-out
Email helpdesk@yourbenefits.team or call 321-234-0707. We will verify who you are before acting on a request, and we will respond within 45 days. We do not charge for this and we will not treat you differently for asking.
If your information is part of a benefit plan record, some requests have to go through your employer's plan or your HIPAA rights instead. We will tell you if that is the case and point you in the right direction.
If we deny a request, you can ask us to reconsider by replying to our response. Florida residents may also contact the Florida Attorney General's office.
Children
Our site and services are for adults. We do not knowingly collect information directly from children under 13. We do receive information about children who are covered as dependents on a parent's benefit plan — that information comes from the parent or the employer, and we handle it under the same protections as the rest of the plan record.
Changes to this policy
We update this policy when our practices change. The effective date at the top always reflects the current version. If a change materially affects how we handle your information, we will say so plainly here and, where appropriate, notify you by email.
Contact us
Questions about this policy, or want to make a privacy request? Reach us any of these ways.
Your Benefits Team Inc.
dba Benefit Bloc2423 S Orange Ave #110
Orlando, FL 32806
This policy describes our practices in plain language. It is not legal advice, and it has not been reviewed by an attorney. Before you publish, have counsel familiar with HIPAA, ERISA, and Florida insurance regulation review it against your actual data flows and vendor agreements.