Privacy Policy

1. Introduction

This Privacy Policy governs how The Healthcare Portfolio LLC (“Company,” “we,” “us”) collects, uses, stores, and/or discloses (“processes”) and protects your personal information when you access Compare Your Benefit website (the “Website”) and use the platform and related services (the “Services”) in the United States. This Privacy Policy is subject to and incorporated into the Terms of Use for the Website, platform, and services, which can be found at https://compareyourbenefit.com/terms-of-use.

2. Changes and Updates

Company may modify this Privacy Policy at any time and for any reason. By continuing to use the Website and the Services, you agree to and will be subject to any such modified or updated Privacy Policy. If you do not so agree, you must immediately discontinue your use of the Website and Services.

The updated version will be indicated by an updated "Revised" date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. Please check this Privacy Policy regularly for updates. You can access this Privacy Policy at https://compareyourbenefit.com/privacy-policy. This Privacy Policy was last updated on October 16, 2026.

3. Categories of Personal Information We Collect

The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make, and the products and features you use. The personal information we collect may include the following:

Identifiers: name, email, device ID.
Account information: account name, contact preferences.
Usage data: messages metadata, platform interactions, purchase references, payment transaction identifiers (transaction IDs only — no card data, which is held by Stripe Checkout), payment status, refund information, access status and dates, and entitlement status and dates.
Device and technical data: IP address, device identifiers, OS version, crash logs.
Customer-provided health plan and coverage information: This will vary depending on customer preferences, but may include one or more of plan names, plan labels, coverage tiers, premiums, deductibles, out-of-pocket maximums, employer HSA/HRA/FSA contributions, coinsurance/cost-sharing terms, benefit coverage, coverage limits, authorization requirements, medical-necessity requirements, and continuation/alternative-coverage information.
Customer-provided comparison preferences: This will vary depending on customer preferences, but may include one or more of anticipated routine-care use, specialist use, urgent-care use, prescription use, expected therapy/rehabilitation, planned care, and other benefits indicated by Customer.
Customer-provided benefit preferences: This will vary depending on customer preferences, but may include one or more of coverage status, copays/coinsurance, whether coverage applies before or after the deductible, visit or dollar limits, authorization requirements, medical-necessity requirements, and other coverage details.
Customer support communications: email, support category, subject, message content, status, timestamps, and resolution information.
Customer feedback: recommendation ratings and comments
Referral information: when you share a referral with other users, our Website will store a randomized pseudonymous first-party attribution token in the other user’s browser, and when that user makes a purchase, that purchase may be internally attributed to your referral identifier for analytics purposes. Neither party will be shown the other’s identity or personal information, and this information will not be shared with our payment processor.

We do not intentionally collect any medical or other sensitive personal information, including but not limited to, diagnoses, medical records, EOBs, Social Security numbers, insurance member identification numbers or other medical-record information. Customers are advised not to enter such information into the Website or Services.

4. Sources of Personal Information

Directly from you (registration, account setup, platform purchases).
Automatically via the Website (usage analytics, device data, OS versions, crash logs).
From third parties: Stripe Checkout (purchase transaction confirmation, session identifiers, payment identifiers, and payment status information, but not payment details such as credit card numbers).

5. How We Use Personal Information

To facilitate account creation and authentication and to manage user accounts;
To deliver and facilitate delivery of services to the user;
To request feedback;
To protect our services including fraud monitoring and prevention;
To identify usage trends and improve the services;
To process purchases of our products and services;
To comply with legal obligations and respond to law enforcement requests as legally required;
To improve safety features, including reporting/blocking tools.

6. Sharing of Personal Information

Service providers: cloud hosting, analytics providers, customer support tooling — under contracts restricting use to providing services to Company;
Payment processors: we use Stripe Checkout for secure online payment processing, which requires your billing information, contact details, and transaction data for your purchases;
Legal process: law enforcement or regulators when required by valid legal process, or to protect safety in an emergency;
Business transfers: in connection with a merger, acquisition, or asset sale.

7. Data Retention

We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Policy. Unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements), no purpose in this notice will require us keeping your personal information for longer than thirteen (13) months past the termination of the user's account.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

8. Data Security

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.

9. Do-Not-Track

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

10. Your Privacy Rights

Depending on your state of residence, you may have the right to:

know/access the personal information we hold about you;
delete personal information;
correct inaccurate information;
opt out of the sale/sharing of personal information or targeted advertising;
opt out of profiling with legal or similarly significant effects; and
appeal a denied request.

To exercise your rights, contact us at privacy@compareyourbenefit.com. We may verify your identity before fulfilling requests. We will not discriminate against you for exercising these rights.

Residents in the European Union, United Kingdom, and Canada:

You may have certain rights under applicable data protection laws such as the GDPR and similar laws that allow greater access to and control over your personal information. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information.

We may collect and process your information under one or more of the following bases:

Consent. We may process your information if you have given us permission (i.e., consent) to use your personal information for a specific purpose. You can withdraw your consent at any time.
Performance of a Contract. We may process your personal information when we believe it is necessary to fulfill our contractual obligations to you, including providing our Services or at your request prior to entering into a contract with you.
Legitimate Interests. We may process your information when we believe it is reasonably necessary to achieve our legitimate business interests and those interests do not outweigh your interests and fundamental rights and freedoms. For example, we may process your personal information for some of the purposes described in order to: (i) analyze how our services are used so we can improve them to engage and retain users; (ii) diagnose problems and/or prevent fraudulent activities; or (iii) understand how our users use our products and services so we can improve user experience
Legal Obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved.
Vital Interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.

Moreover, if we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can make such requests by contacting us at privacy@compareyourbenefit.com. However, please note that this will not affect the lawfulness of the processing before its withdrawal, nor when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

If you are located in the EU or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.

If you are located in Switzerland, the contact details for the data protection authorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.

Opting out of marketing and promotional communications:

You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, replying "STOP" or "UNSUBSCRIBE" to the SMS messages that we send, or by contacting us at privacy@compareyourbenefit.com. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.

Account Information

If you would at any time like to review or change the information in your account or terminate your account, you can log in to your account settings and update your user account. Upon your request to terminate your account, we will deactivate or delete your account and information from our active databases. However, we may retain some information in our files to prevent fraud, troubleshoot problems, assist with any investigations, enforce our legal terms and/or comply with applicable legal requirements.

Cookies and similar technologies:

Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. To opt out of interest-based advertising by advertisers on our Services visit http://www.aboutads.info/choices/.

11. Contact

Legal Notices: legal@compareyourbenefit.com

Registered agent: Northwest Registered Agent Service, Inc. 6545 Market Ave N, Ste 100 Canton, OH 44721