Our Privacy Statement
We care about your privacy. This Privacy Statement describes the information that McGregor, (“we,” “our,” and “us”) collects and uses so that we can provide our products and services to our customers. These products and services include flexible spending accounts, health reimbursement arrangements, health savings accounts, lifestyle spending accounts, COBRA administration, and various employer-sponsored programs, each referred to herein as an “Account” and collectively as the “Services”.
We may modify this Privacy Statement at any time. Please review it frequently. By using the Services, our website, and/or our mobile application, you accept and agree to this Privacy Statement. Therefore, if you do not wish to accept or agree to this Privacy Statement, please refrain from using our Services, our website, and/or our mobile application.
This Privacy Statement, our website, and our mobile application are intended for people who live in the United States.
This Privacy Statement does not apply to any third-party websites and third-party mobile applications that may link to our website or to which our website may link. Also, it does not apply to those websites that have their own online privacy notices or privacy statements.
Our websites and applications are not intended for children under 13 years of age. We do not knowingly solicit data online from, or market online to, children under 13 years of age.
Personal Information We Collect
In order to provide Services to you, we may collect:
- Your name;
- Your email and physical address;
- Social Security Number (SSN);
- Date of birth;
- Phone number;
- Identifying information for your dependents;
- Identifying information for those individuals you have authorized to use your Account and/or access your Account information;
- Information about your Account transactions including your Account elections, balances, payment history, benefit claims, reimbursements, distributions, and contributions;
- Your banking and payment information;
- Information necessary for employers to provide to us so that we can conduct annual cafeteria plan nondiscrimination testing; this information includes benefit contribution amounts, HSA contribution amounts, compensation information, and ownership/officer status; and
- Information collected pursuant to our “Cookies” section below.
How We Collect Your Personal Information
In order to provide the Services, we need to collect some personal information about our customers. We collect this personal information from you directly through our website, mobile application, or other forms, and indirectly from your employer or insurance company and our affiliates.
Cookies and Website Tracking
A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. For instance, by setting a cookie on our site, the user would not have to enter a password more than once, thereby saving time while on our site. If a user rejects the cookie, they may still use our site. The only drawback to this is that the user will be limited in some areas of our site. For example, the user will not be able to access account information or use web applications related to their Accounts.
We use IP addresses to analyze trends, administer the site, track users’ movement, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.
How We Use and Share Personal Information
We may use or share your personal information for the following business purposes:
- Providing Services to you, including:
- Authenticating your identity;
- Opening, maintaining, and administering your Account(s);
- Processing and paying benefit claims;
- Communicating with you about the Services and/or your Account(s);
- Making Pay Your Provider payments; and
- Helping to protect against fraud, security incidents, and financial loss;
- Providing information that you request;
- Engaging third-party service providers to assist in providing Services to you;
- Recording our transactions and communications with you;
- Complying with applicable laws, regulations, administrative or legal requests, subpoenas, or as otherwise required by law;
- Taking actions according to your authorization or instructions;
- As otherwise necessary or legally permissible for us to lawfully conduct our business, provide our Services, or administer your Account(s).
We do not sell or rent your personal information. We share your personal information with third parties only as outlined in this Privacy Statement and as permitted by law.
We restrict access to your personal information to our employees, our affiliates, and third-party service providers who need to know of that information to aid us in providing the Services to you, protecting against fraud or security incidents, and/or lawfully conducting our business. In addition, when your Account with us is employment-based, we may disclose information about your Account to your employer or former employer. This information may include your personal information such as the type of Account, account balance, transaction activity, and history, and contribution amounts.
You may authorize other individuals, such as family members, to receive your personal information from us or to make changes to your Account. By authorizing these individuals, you take responsibility for their transactions with your Account. Your authorized user(s) can access your Account balance(s) if we authenticate them according to our standard practices.
You may have rights to know, access, update, and remove your personal information, depending on where you live, the type of Account you have, or the type of personal information. In many cases, particularly with respect to data deletion, you will need to consult with your employer or former employer to determine your rights with respect to the personal information we receive based on your participation in your employer’s or former employer’s employee benefit plans. We typically cannot delete your personal information unless your employer or prior employer authorizes it. You may also be able to make some changes to your personal information by accessing your online account or emailing firstname.lastname@example.org.
Rights of California Residents
McGregor is a service provider under California’s privacy laws. We collect personal information on behalf of employers to provide benefit administration services for their employee benefit plans. Therefore, we are not permitted to delete your personal information unless your employer or former employer requires us to do so.
We do not disclose your personal information to third parties for direct marketing purposes.
We maintain physical, administrative, and technical safeguards to protect your personal information against unauthorized use or disclosure. However, we cannot guarantee the privacy and security of any communication you provide to us through electronic means. For example, we cannot guarantee that third parties will not illegally intercept the personal information you transmit over the internet.
You can take steps to protect the security of your personal information. For example, you must create a unique password to access your Account online. Please choose a strong password, and be sure to protect your password.
We use email to communicate about Account transactions, updates to our Services and Accounts, educational programming, and more. You typically cannot opt out of email communications related to the Services you receive from us. You can opt-out of certain marketing communications by using the links in marketing emails you may receive.
Applications for Employment with Employee Benefits Corporation
Employee Benefits Corporation collects information from candidates in connection with available employment opportunities. This information may include resumes, work history, employment, and references. We use your personal information to match your skills, experience, and education with specific roles.
If you have any questions about this Privacy Statement, please contact McGregor at: