By using our Sites and Services and by submitting your personal Information through our Sites, or to our employees, you expressly consent to this Privacy Policy and to the transfer of and the processing and usage of your personal information by Next Level Benefits as stated in this Privacy Policy. If you do not agree to this Policy, please do not use any portion of our Sites and Services.

By providing your contact information to us, you consent to receive communications from us directly,  or through a third party. This includes sending surveys and other research materials, newsletters, offers, and promotions to your email. You may unsubscribe from commercial e-mails from us by clicking unsubscribe in the email or by contacting us at the e-mail address below.
Further, by providing your contact information through the Sites and Services, you are authorizing us to share your Information with our Newtork Partners and third parties as described in this Privacy Policy. If you do not want communications from our Network Partners, please notify the specific Partner directly.

Whether you are contacted by us, a third party on our behalf or a Network Partner, if you provide your contact information, you agree to be contacted through the use of emails, or, subject to your express opt-in at the time of providing your information, on your landline or mobile phone by live operators, automatic telephone dialing systems, pre-recorded messages, and/or text messages regardless of whether you have placed your name or telephone number on a Do-Not-Call list. You may request to stop receiving calls and text messages by following the opt-out instructions in those messages. Please note that a stop request will only apply to the specific entity to whom such request is directed unless otherwise required by applicable law.
We reserve the right to disclose or share your personal information as permitted or required by law or regulation and when we believe that disclosure is necessary or advisable such as to: (i) protect our rights, property, and safety of Next Level Benefits, our third-party vendors or partners, or other persons; (ii) to comply with a valid and effective subpoena or order issued by a court of competent jurisdiction or other legal process or by law, rule or regulation; or (iii) to pursue available remedies or limit the damages we may sustain.
By providing any personal information consisting of medical or health related information through our Sites or Services, you expressly consent to the sharing of such information with our third-party providers or Network Partners solely to perform business, professional or insurance functions on our behalf on your behalf. We contractually require any company with whom we share your personal information to exercise reasonable care to secure and protect your personal information against unauthorized access or use.
Information We Collect
We collect the following information either directly from you, automatically based on your interaction with the Site and Services or from your authorized representative, third parties, or from our service providers:
Information that you provide to us: first and last name, email address, phone number, zip code, type of insurance, employment status, annual income, smoking status, self assessment of health status, height, weigth, certain medical conditions (you and your family), gender, date of birth, sexual orientation, racial or ethnic and similar kinds of information.

Data Collected From You About Others: If you decide to invite others to the Site and Services, we will collect your and the other person’s name, email addresses, and/or phone numbers in order to send an email or text message and follow up with the other person. You hereby agree that you will obtain the other person’s consent to this before giving us their contact information. You hereby agree not to send us the contact information of any legal minor. We will inform any other person you invite that you gave us his or her information in the invitation email.
[10/6/2026 12:25 PM] Arifur Rahman Sajid: Information we Collect Automatically: IP Address, browser type and version, device type and identifiers, operating system, pages visited, time spent on pages, links clicked, reffering URLs, cokie identifiers, session data, geolocation data (not precise geolocation), and information regarding interaction with the Sites and Services including advertisements

Information we Receive from third parties: Demographic data, insurance eligibility and history, credit-related information, marketing and advertising data, identit verification data, information from social media platforms (if you interact with social media pages), information from lead aggregatos and data brokers, and information from Network Partners.

For purposes of U.S. state data privacy laws, in the last 12 months we have collected the following categories of personal information:

– Basic contact details and identifiers such as real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, or other similar identifiers

– Any personal information described in the California Consumer Records statute (Cal. Civ. Code section 1798.80(e))

– Characteristics of protected classifications under California or Federal Law such as age, gender, etc.

– Commercial, order and shopping information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies

– Account information including your username, password and security questions for accessing our Sites

– Customer support information including the information you choose to include in communications with us, for example, when sending a message through the Services

– Internet or other electronic network activity information, including, but not liited to browsing history, and information regarding a consumer’s interaction with an internet website application or advertisement.

– Geolocation data (not precise geolocation)

– Audio, electronic, visual, or similar information (Please Note: Calls to or from Next Level Benefits are recorded and may be monitored and all interactions you have with our website are recorded)

– Professional and employment-related information

– Inferences drawn from other information

– Sensitive Personal information

We will retain the above-listed personal information so long as reasonably required and as required by applicable law.
How We Protect your Information

We use a combination of physical, technical, and administrative safeguards that are designed to protect the information we collect through the Sites and Services. We also contractually require any company with whom we share your personal information to exercise reasonable care to secure and protect your personal information against unauthorized access or use. While we use these precautions to safeguard your information, we cannot guarantee the security of your personal information or of the networks, systems, servers, devices, and databases we operate or that are operated on our behalf.

MS/MMS and Telephone Communications  

If you provide a telephone number, we may use it to send communications concerning your inquires, requested quotes, applications, accounts, transactions, costumers support, appointments, security, and others services related matters.

If you separately provide marketing consent, Next Level Benefits and [the companies identified when your consent] may also send promotional or marketing calls, SMS messages, and MMS messages. Message and data rates may apply.

Consent to marketing communications is voluntary. It is not a condition of purchasing any property, goods, or services, receiving a quote, or using our Sites and Services. We may user messaging platforms,  telecommunications providers, and others service providers to deliver these communications. A Network Partner may send marketing texts only when that partner has consent applicable to its communications.
[10/6/2026 12:25 PM] Arifur Rahman Sajid: [Communications may use an automatic telephone dialing system, an automated system for selecting or dialing telephone numbers, or an artificial or prerecorded voice.]

You may revoke consent at any time by replying STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE. You may also use another reasonable method that clearly communicates your request. We will honor revocation requests within ten business days. We may send one non-marketing message confirming your request. If your request does not identify a specific communication category, we will treat it as revoking consent for all automated calls and text messages requiring consent. We may continue communicating through another lawful channel about existing transactions or services. We maintain records of consent and revocation. These records may include the telephone number, consent language, electronic signature, date, time, source, IP address, campaign, message history, and opt-out request