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Stop overpaying for health insurance.

You work too hard to hand over premiums to large health insurance systems. A BHealthE Independent Advisor will show you the alternatives — in plain English, with no pressure.

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See How It Works
THE PROBLEM

If health insurance feels like it wasn’t built for you — you’re right.

If you’re self-employed, run a small business, or work for yourself in any way, you’ve probably felt it: the premiums that climb every year, the plans that cover less than you thought, the jargon that makes smart people feel lost. It isn’t your fault. The system was designed around big employers — and everyone else pays the difference.

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THE PLAN

Getting covered shouldn’t take a law degree. Here’s how it works:

Book a Call
1

Talk with an Independent Advisor

A short, friendly conversation about what you have and what you’re paying today.

2

Get matched

A quick suitability exercise to select benefits that fit your needs.

3

Enroll and relax

Start your plan, use your member hub, and stop overpaying.

WHAT YOU GET

More than a plan. A hub for your family’s health.

Get Started Today

Group Health Benefit

Access to group health benefit plans with nationwide provider networks

Priority

24/7 telehealth for primary care and urgent questions

Pharmacy - Lower Medication Costs

Pharmacy advocacy programs that fight for lower medication costs

We’ve been on the inside. Now we’re on your side.

WHY BHEALTHE

BHealthE was founded by Gary Wright, who spent decades building and auditing benefit plans for companies and their families. He has seen first hand how traditional health insurance hurts most Americans and business owners: If you’re a hardworking owner of a small business paying more for health coverage than anyone in a corporate job — and getting less, BHealthE exists for you.

Are you a licensed insurance agent?

Your clients ask you about health. Now you’ll have an answer.

Add Health to Your Book

Allen Scott

Business Name
+644-666-677

BHEALTHE, LLC

SMS AND CALL CONSENT LANGUAGE AND MOBILE MESSAGING TERMS

1. Web Form Consent Language

A. Agreement to Terms (required)

☐ I have read and agree to the Terms of Use and Privacy Policy.

B. Calls and Text Messages (optional)

☐ I agree to receive calls and text messages from BHealthE, LLC and the independent licensed insurance advisor assigned to my inquiry, about my inquiry and about insurance and health benefit programs, at the number I provided, including by automated technology or prerecorded voice. Consent is not a condition of purchase. Message frequency varies; message and data rates may apply. Reply STOP to opt out, HELP for help. Mobile Messaging Terms | Privacy Policy

C. Text Below the Boxes

We may also email you about your inquiry. You can unsubscribe at any time.

2. Mobile Messaging Terms

2.1. Program. BHealthE, LLC offers text messaging programs through which we and the independent licensed insurance advisors who contract with us send informational and marketing text messages about insurance and health benefit programs (the “Messaging Program”). You enroll by providing your mobile number and checking the consent box on our website. You may also opt-out or manage your communication preferences by calling us directly at 866-656-7134 or emailing us at contact@reachplans.com.

2.2. Consent Is Not a Condition of Purchase. Consent to receive text messages or calls is voluntary and is not a condition of purchasing any product or program or of receiving a response to an inquiry by other means.

2.3. Message Types and Frequency. Informational messages relate to your inquiry, application or enrollment. Marketing messages describe insurance and health benefit programs. Message frequency varies based on your inquiry and activity. Message and data rates may apply from your wireless carrier; BHealthE is not responsible for carrier charges.

2.4. Opting Out. To stop receiving text messages, reply STOP to any message you receive from us. You will receive one confirmation message, after which you will receive no further messages from that program unless you opt in again. You may also opt out by contacting us at [telephone] or [email]. Opting out of text messages does not withdraw any separate consent to receive calls or emails; you may withdraw those by contacting us.

2.5. Help. Reply HELP to any message, or contact us at (866) 522-4325 or Support@bhealthe.com, for assistance.

2.6. Carriers. Wireless carriers are not liable for delayed or undelivered messages. Messaging may not be available on all carriers or in all areas.

2.7. Privacy. Mobile phone numbers and text-messaging opt-in data collected through the Messaging Program are used only to operate the program. They are not sold, rented or shared with third parties or affiliates for marketing purposes. They may be shared with service providers that deliver messages on our behalf, solely for that purpose. See our Privacy Policy.

2.8. No Health Information by Text. We do not send protected health information by text message. If health or other sensitive information must be exchanged in connection with an application or enrollment, it will be exchanged through the applicable Program Sponsor’s secure channels.

2.9. Changes. We may modify or discontinue the Messaging Program at any time. Material changes will be posted here with a new effective date.

3. Privacy Policy — Mobile Messaging

3.1. Mobile Messaging. We collect mobile phone numbers only from individuals who opt in through our web forms or by texting a keyword to our number. Mobile phone numbers and text-messaging opt-in data are used only to operate our messaging programs. They are not sold, rented or shared with third parties or affiliates for marketing or promotional purposes. They may be shared with service providers that deliver messages on our behalf, solely to provide that service. We do not place protected health information in text messages, analytics tags, URLs or tracking parameters.

4. Message Copy

Opt-In Confirmation

BHealthE: You’re subscribed to BHealthE messages about insurance and health benefit programs. Msg frequency varies. Msg & data rates may apply. Reply STOP to opt out, HELP for help.

HELP Reply

BHealthE: For help, call (866) 522-4325 or email Support@bhealthe.com Msg & data rates may apply. Reply STOP to opt out.

STOP Confirmation

BHealthE: You have been unsubscribed and will receive no further messages from this program. To re-subscribe, text [KEYWORD] to this number.

Sample Informational Message

BHealthE: Hi [first name], this is [advisor name], a licensed insurance advisor with BHealthE, following up on your request for information. Reply with a good time to talk, or call me at [number]. Reply STOP to opt out.

Sample Marketing Message

BHealthE: [First name], open enrollment information for the programs you asked about is available. Reply YES to have your advisor contact you, or visit www.bhealthe.com. Msg & data rates may apply. Reply STOP to opt out.

BHEALTHE, LLC

WEBSITE TERMS OF USE

Effective Date: October 8th, 2026

These Terms of Use (the “Terms”) govern your use of [www.bhealthe.com] and any other website or online service on which they are posted (the “Site”), operated by BHealthE, LLC, an Illinois limited liability company (“BHealthE,” “we” or “us”). By using the Site you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site. You must be at least 18 years old and located in the United States to use the Site.

1. Who We Are

1.1. Licensed Insurance Producer. BHealthE is a licensed insurance producer and independent marketing organization. We make insurance products and health benefit programs offered by third parties available for marketing through independent, licensed insurance producers who contract with us (“Advisors”). We are not an insurance company, health plan, plan sponsor, plan administrator or health care provider.

1.2. License Information. BHealthE holds an Illinois business entity insurance producer license, No.100369460 , and non-resident licenses in the states in which it does business. A list of states and license numbers is available at www.bhealthe.com

1.3. Contact. BHealthE, LLC, 7431 East State Street #258, Rockford, Illinois 61108 Email: support@bhealthe.com (866) 522-4325

2. Scope

2.1. Public Site. These Terms apply only to the publicly accessible portions of the Site.

2.2. Program Sponsor Sites. The Site may link to enrollment portals and other websites operated by the insurers, plan sponsors and administrators whose programs we market (“Program Sponsors”). Those sites are governed by their operators’ own terms and privacy policies.

3. Insurance and Program Information

3.1. No Offer or Binding of Coverage. Nothing on the Site is an offer to sell insurance, an offer of coverage under any health benefit program, or a confirmation of coverage. Coverage and program participation are available only through the application, underwriting and enrollment processes of the applicable Program Sponsor, on the terms of the documents it issues. No coverage or participation exists until the Program Sponsor confirms it in writing.

3.2. Program Descriptions. Descriptions of products and programs on the Site are provided by or derived from the applicable Program Sponsor’s materials and are summaries only. The terms, conditions, eligibility requirements, exclusions, limitations, premiums and contributions of any product or program are governed solely by the Program Sponsor’s documents, which control over anything on the Site. Eligibility, pricing and benefits are determined by the Program Sponsor, may depend on underwriting and your circumstances, and vary by state. Not all products or programs are available in all states.

3.3. No Advice. Information on the Site is general and is not insurance, legal, tax, financial or medical advice or a recommendation that any product or program is suitable for you.

3.4. No Affiliation. BHealthE is independent of the insurers, plan sponsors, administrators and provider networks whose products and programs it markets. References to any of them identify the third party that issues, sponsors, administers or provides network access for a product or program; they do not mean BHealthE is owned by, employed by or the agent of that party except as the Program Sponsor has expressly authorized. BHealthE is not affiliated with or endorsed by any federal or state government agency or program, including Medicare, Medicaid or any state health insurance marketplace.

3.5. Advisors. Advisors are independent contractors, not employees of BHealthE. An Advisor who contacts you is an independent licensed insurance producer compensated by commission. You may verify any producer’s license through your state’s department of insurance.

4. Requests for Information

4.1. If you submit an inquiry or request through the Site, we or an Advisor licensed in your state may contact you about the products and programs you asked about. Any consent to receive calls or text messages is given on the form where you provide it and is governed by Section 5 and our Privacy Policy. Consent is not a condition of purchasing any product or program. You agree that the information you submit is accurate and that you are authorized to provide it.

5. Mobile Messaging Terms

5.1. Program. BHealthE, LLC offers text messaging programs through which we and the independent licensed insurance advisors who contract with us send informational and marketing text messages about insurance and health benefit programs (the “Messaging Program”). You enroll by providing your mobile number and checking the consent box on our website, You may also opt-out or manage your communication preferences by calling us directly at 866-656-7134 or emailing us at contact@reachplans.com.

5.2. Consent Is Not a Condition of Purchase. Consent to receive text messages or calls is voluntary and is not a condition of purchasing any product or program or of receiving a response to an inquiry by other means.

5.3. Message Types and Frequency. Informational messages relate to your inquiry, application or enrollment. Marketing messages describe insurance and health benefit programs. Message frequency varies. Message and data rates may apply from your wireless carrier; BHealthE is not responsible for carrier charges.

5.4. Opting Out. Reply STOP to any message to stop receiving text messages. You will receive one confirmation message, after which you will receive no further messages from that program unless you opt in again. You may also opt out by contacting us at [telephone] or [email]. Opting out of text messages does not withdraw any separate consent to receive calls or emails; you may withdraw those by contacting us.

5.5. Help. Reply HELP to any message, or contact us at support@bhealthe.com or (866) 522-4325

5.6. Carriers. Wireless carriers are not liable for delayed or undelivered messages. Messaging may not be available on all carriers or in all areas.

5.7. Privacy. Mobile phone numbers and text-messaging opt-in data collected through the Messaging Program are used only to operate the program. They are not sold, rented or shared with third parties or affiliates for marketing purposes. They may be shared with service providers that deliver messages on our behalf, solely for that purpose. See our Privacy Policy.

5.8. No Health Information by Text. We do not send protected health information by text message. If health or other sensitive information must be exchanged in connection with an application or enrollment, it will be exchanged through the applicable Program Sponsor’s secure channels.

5.9. Changes. We may modify or discontinue the Messaging Program at any time. Material changes will be posted here with a new effective date.

6. Information About Becoming an Advisor

6.1. No Earnings Representation. The Site may describe the opportunity to become an Advisor. Nothing on the Site is a representation or guarantee of income, earnings or success as an Advisor. The only statement BHealthE makes regarding Advisor earnings is its Income Disclosure Statement, available at www.bhealthe.com. Individual results vary and depend on the Advisor’s own effort, skill and market.

6.2. Not Employment or a Business Opportunity. Becoming an Advisor is not employment with BHealthE and is not the purchase of a franchise or business opportunity. Participation is governed solely by the Independent Advisor Agreement and the documents it incorporates. Advisors must hold the insurance producer licenses and appointments required by the states in which they market.

7. Use of the Site

7.1. License. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Site for your personal, non-commercial purposes of learning about our services and contacting us.

7.2. Prohibited Conduct. You will not: (a) use the Site for any unlawful purpose or in violation of these Terms; (b) copy, reproduce, distribute, modify or commercially exploit any content on the Site except as these Terms permit; (c) use any robot, scraper or automated means to access the Site or collect information from it; (d) attempt to gain unauthorized access to any portion of the Site or any system connected to it; (e) introduce any virus or harmful code; (f) impersonate any person or misrepresent your affiliation with any person or entity; or (g) interfere with the operation or security of the Site.

7.3. Suspension. We may suspend or terminate your access to the Site at any time, with or without notice, for conduct we believe violates these Terms or is harmful to the Site, other users or BHealthE.

8. Intellectual Property

8.1. Ownership. The Site and all content on it are owned by BHealthE or its licensors and are protected by copyright, trademark and other intellectual property laws. All rights not expressly granted are reserved. BHealthE and the BHealthE logo are trademarks of BHealthE, LLC.

8.2. Third-Party Marks. The names, marks and logos of Program Sponsors, insurers, provider networks and administrators that appear on the Site are the property of their respective owners, are used with permission or as nominative references, and may not be used by you for any purpose.

9. Third-Party Links

9.1. The Site may link to third-party websites, including Program Sponsor sites, enrollment platforms and payment processors. We do not control and are not responsible for their content, accuracy, privacy practices or availability. A link does not imply our endorsement. Your use of third-party sites is at your own risk and subject to their terms.

10. Privacy

10.1. Our collection, use and disclosure of information through the Site are described in our Privacy Policy, which is incorporated into these Terms.

11. Disclaimer of Warranties

11.1. THE SITE AND ALL CONTENT ON IT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. BHEALTHE DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT CONTENT IS ACCURATE, COMPLETE OR CURRENT. PRODUCT AND PROGRAM INFORMATION IS SUBJECT TO THE PROGRAM SPONSOR’S DOCUMENTS, WHICH CONTROL. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.

12. Limitation of Liability

12.1. TO THE FULLEST EXTENT PERMITTED BY LAW, BHEALTHE AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS AND ADVISORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE, UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BHEALTHE’S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED DOLLARS ($100). THIS SECTION DOES NOT LIMIT LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW AND DOES NOT APPLY TO ANY POLICY, CERTIFICATE OR PROGRAM DOCUMENT ISSUED BY A PROGRAM SPONSOR.

13. Indemnification

13.1. You agree to defend, indemnify and hold harmless BHealthE and its members, managers, officers, employees and agents from all claims, liabilities, damages, losses and expenses, including reasonable attorneys’ fees, arising out of your violation of these Terms, your misuse of the Site, or your violation of any law or the rights of any third party.

14. Governing Law and Disputes

14.1. Governing Law; Forum. These Terms and any dispute arising out of or relating to the Site are governed by the laws of the State of Illinois, without regard to its conflict-of-laws rules. Subject to Section 14.2, you agree to the exclusive jurisdiction of the state and federal courts located in Winnebago County, Illinois.

14.2. Arbitration. [OPTIONAL: Any dispute arising out of or relating to the Site or these Terms that cannot be resolved informally will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules before a single arbitrator. The Federal Arbitration Act governs this Section. Either party may bring an individual claim in small claims court instead. BHealthE will pay all arbitration filing and administrative fees in excess of the amount you would pay to file in small claims court. This Section does not apply to any dispute between BHealthE and an Advisor, which is governed by the Independent Advisor Agreement.]

14.3. Class Action Waiver. [OPTIONAL: YOU AND BHEALTHE AGREE THAT ANY DISPUTE WILL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, CONSOLIDATED OR REPRESENTATIVE ACTION.]

15. Changes to These Terms

15.1. We may revise these Terms by posting the revised Terms on the Site with a new effective date. Revisions apply to your use of the Site after the effective date, and we will provide notice on the Site of any material change. Your continued use of the Site after the effective date constitutes acceptance. Revisions to these Terms do not amend the Independent Advisor Agreement.

16. General

16.1. These Terms and the Privacy Policy are the entire agreement between you and BHealthE regarding the Site. If any provision is held unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver of it. You may not assign these Terms; we may assign them to an affiliate or successor. You consent to receive communications from us electronically. Questions about these Terms may be directed to support@bhealthe.com or to the address in Section 1.3.

BHEALTHE, LLC

PRIVACY POLICY

Effective Date: October 8th, 2026

This Privacy Policy describes how BHealthE, LLC, an Illinois limited liability company (“BHealthE,” “we” or “us”), collects, uses, discloses and protects personal information. Part I applies to visitors to [www.bhealthe.com] and any other website or online service on which this Policy is posted (the “Site”), including individuals who submit inquiries or apply to become Advisors. Part II is our Advisor Privacy Notice. This Policy does not apply to websites, enrollment portals or applications operated by the insurers, plan sponsors and administrators whose products and programs we market (“Program Sponsors”). We do not sell personal information.

PART I — WEBSITE PRIVACY POLICY

1. Information We Collect

1.1. Information You Provide. Contact and inquiry information (name, email address, telephone number, mailing address, state of residence and the content of any message or request you submit); [if the Site offers quote requests: the information the request form asks for, such as date of birth, household size and ZIP code;] Advisor application information (name, contact information, business name, insurance license numbers and states, National Producer Number and the other information the application requests); and records of your communications with us, including any consent you give to receive marketing communications.

1.2. Information Collected Automatically. When you use the Site we and our service providers automatically collect device and usage information, including IP address, browser type, operating system, device identifiers, referring and exit pages, pages viewed, dates and times of visits, and approximate location derived from IP address, using cookies, pixels, web beacons and log files as described in Section 5.

1.3. Information from Other Sources. Confirmation from Program Sponsors and their administrators that an enrollment submitted by an Advisor was accepted or cancelled, which we use to administer Advisor compensation; licensing information from databases such as the National Insurance Producer Registry; and information from service providers that assist with analytics, fraud prevention or communications.

2. Health Information

2.1. The Site does not request or collect information about your health, medical conditions, treatment, medications or health insurance claims. Please do not submit health information through the Site. If you enroll in a health benefit program, the Program Sponsor will collect any health information it requires through its own application and enrollment process, subject to its own privacy policy and applicable law.]

3. How We Use Information

3.1. We use the information we collect to respond to your inquiries and connect you with an Advisor licensed in your state; transmit your requests to the applicable Program Sponsor at your direction; evaluate Advisor applications and verify licensing; administer the Advisor program, including compensation, compliance and communications; operate, secure and improve the Site; send you information about our services and the products and programs we market where you have consented or where permitted by law; comply with legal, regulatory, licensing and tax obligations; detect and prevent fraud and security incidents; and enforce our Terms of Use and other agreements.

4. How We Share Information

4.1. Service Providers. We share information with service providers that perform services for us and are contractually restricted from using it for their own purposes, including payment processing (our payment gateway stores payment card information in tokenized form; BHealthE does not store card numbers on its own systems), hosting of our Advisor Back Office and enrollment and compensation systems, payment of Advisor compensation, compliance monitoring of public online content, website analytics, and email and customer-relationship management.

4.2. Advisors and Program Sponsors. If you request information about a product or program, we share your contact and request information with an Advisor licensed in your state so that the Advisor can respond and, at your direction, with the applicable Program Sponsor so that it can process your application or enrollment. Advisors are independent contractors bound by contractual confidentiality and data-handling obligations. Program Sponsors process your information under their own privacy policies.

4.3. Legal and Regulatory. We disclose information when required or permitted by law, including to state insurance regulators and other governmental authorities; in response to subpoenas, court orders or other legal process; to protect the rights, property or safety of BHealthE, our users or others; and to enforce our agreements.

4.4. Business Transfers. If BHealthE is involved in a merger, acquisition, financing or sale of all or part of its business, information may be transferred as part of that transaction, subject to this Policy.

4.5. With Your Consent. We share information for other purposes with your consent or at your direction.

4.6. No Sale. We do not sell personal information, do not share it with third parties for their own direct marketing purposes, and do not share it for cross-context behavioral advertising.

4.7. Mobile Messaging. We collect mobile phone numbers only from individuals who opt in through our web forms or by texting a keyword to our number. Mobile phone numbers and text-messaging opt-in data are used only to operate our messaging programs. They are not sold, rented or shared with third parties or affiliates for marketing or promotional purposes. They may be shared with service providers that deliver messages on our behalf, solely to provide that service. We do not place protected health information in text messages, analytics tags, URLs or tracking parameters.

5. Cookies and Tracking Technologies

5.1. Technologies. We use cookies, pixels, web beacons and log files to operate the Site, remember your preferences, analyze traffic and measure the effectiveness of our communications. Some are placed by our service providers.

5.2. Your Choices. Most browsers allow you to refuse or delete cookies through their settings; doing so may affect Site functionality. You may opt out of Google Analytics at https://tools.google.com/dlpage/gaoptout.

5.3. Do Not Track. The Site does not currently respond to “Do Not Track” signals or similar mechanisms.

5.4. Third-Party Collection. Our analytics and advertising service providers may collect information about your online activities over time and across different websites when you use the Site. We do not control their collection practices.

6. Security and Retention

6.1. We implement and maintain reasonable administrative, technical and physical safeguards designed to protect personal information from unauthorized access, acquisition, use, modification, disclosure and destruction, and we require our service providers to do the same by contract. No method of transmission or storage is completely secure, and we cannot guarantee absolute security; please do not send sensitive information by email or through unsecured forms. If a security incident affects your personal information we will notify you as applicable law requires. We retain personal information for as long as needed for the purposes described in this Policy and to meet legal, regulatory, tax, licensing and record-keeping obligations, after which we delete or de-identify it. [If biometric identity verification is used for Advisors: We collect biometric identifiers only as described in our Biometric Information Policy, available at [URL].]

7. Your Choices

7.1. You may opt out of marketing emails using the unsubscribe link in any email, and revoke consent to marketing calls or text messages at any time by replying STOP to any text or by contacting us. We may continue to send transactional and service communications. You may request access to or correction of the personal information we hold about you by contacting us at the address below; we may need to verify your identity.

8. California Residents

8.1. Online Privacy Protection Act. This Policy identifies the categories of personally identifiable information we collect through the Site (Section 1), the categories of third parties with whom we may share it (Section 4), how you may review and request changes to your information (Section 7), how we notify you of material changes (Section 12), the effective date (above), how we respond to Do Not Track signals (Section 5.3), and whether other parties may collect information about your online activities across sites (Section 5.4).

8.2. Shine the Light. We do not disclose personal information to third parties for their direct marketing purposes. [Include only if BHealthE has 20 or more employees.]

8.3. Consumer Privacy Act. BHealthE does not currently meet the thresholds that make a company a “business” subject to the California Consumer Privacy Act. If we become subject to it we will update this Policy to describe your rights and how to exercise them. In the meantime, California residents may contact us at the address below with any request regarding their personal information, and we will respond in accordance with applicable law. California residents under 18 who have posted content on the Site may request its removal by contacting us.

9. Residents of Other States

9.1. Residents of states with consumer privacy laws may have rights to confirm whether we process their personal information; to access, correct or delete it; to obtain a copy; and to opt out of its sale, targeted advertising or certain profiling, to the extent those laws apply to us. We do not sell personal information or engage in targeted advertising or profiling that produces legal or similarly significant effects. To exercise any right that applies to you, contact us at the address below. We will verify your request, respond within the time required by law and, if we decline a request, tell you how to appeal.

10. Children

10.1. The Site is not directed to children under 18, and we do not knowingly collect personal information from children under 13. If you believe a child under 13 has provided personal information to us, contact us and we will delete it.

11. Financial Privacy Notice

11.1. If you become a customer of an insurance product through BHealthE, the collection, use and disclosure of your nonpublic personal financial and health information in connection with that product are also governed by the Gramm-Leach-Bliley Act and state insurance privacy regulations. [Our Insurance Customer Privacy Notice, which we deliver to customers as those laws require, is available at [URL].] Where that notice and this Policy differ as to insurance customer information, that notice controls.

12. Changes to This Policy

12.1. We may update this Policy by posting the revised Policy on the Site with a new effective date. If we make a material change in how we use personal information already collected, we will provide notice on the Site or by email before the change takes effect.

13. Contact Us

13.1. BHealthE, LLC, Attn: Privacy, [street address], Rockford, Illinois [ZIP]; [privacy@bhealthe.com]; [telephone].

PART II — ADVISOR PRIVACY NOTICE

This Part II applies to individuals who apply to become or who contract with BHealthE as independent Advisors, supplements Part I, and is the Advisor privacy notice referenced in the Independent Advisor Agreement.

14. Information We Collect About Advisors

14.1. In addition to the information described in Part I: identification, contact and business entity information; insurance license numbers, lines of authority, states, appointment status and licensing history obtained from licensing databases; Social Security number or taxpayer identification number and Form W-9 information, for tax reporting; payout account information, which is collected and held by our payout service provider; enrollment, sales and compensation records generated through the Advisor Back Office; records of your communications with us and with customers; and public marketing activity attributable to you, as described in Section 15.

15. Compliance Monitoring

15.1. We monitor publicly available online content, including websites, social media posts and advertisements, for statements about BHealthE, the products and programs we market, and the Advisor opportunity, using compliance monitoring services. We collect and retain content attributable to you that relates to your activities as an Advisor and use it to enforce our Marketing Guidelines and to meet insurance advertising and consumer protection requirements. We do not access private accounts or non-public content.

16. How We Use and Share Advisor Information

16.1. We use Advisor information to evaluate applications, verify licensing and appointments, administer the Advisor program and the Advisor Back Office, calculate and pay compensation, report compensation to tax authorities, monitor and enforce compliance, communicate with you, and comply with legal and regulatory obligations. We share it with our service providers; Program Sponsors and their administrators, to establish and maintain your authorization to market their products and to reconcile enrollments and compensation; licensing and appointment systems; tax authorities; insurance regulators and other governmental authorities as required by law; and other Advisors in your enrollment line, limited to your name, Advisor status and qualification information as the Compensation Plan requires.

17. Retention and Your Rights

17.1. We retain Advisor records for the term of your engagement and for the period required by insurance, tax and record-keeping laws thereafter, and in any event not less than the period stated in the Independent Advisor Agreement. You may update your contact and profile information through the Advisor Back Office and may exercise any rights available under applicable state privacy law by contacting us at the address in Part I, Section 13.