Privacy Policy

1. Who We Are

Benefits Confidence is a private, independently owned benefits eligibility screening platform operated by Profit Edge, LLC, a Colorado limited liability company ("Company," "we," "us," or "our"). We are not a government agency. Our platform is located at www.BenefitsConfidence.com.

Contact for privacy inquiries:

• Email: support@benefitsconfidence.com
• Website: www.BenefitsConfidence.com
• Mailing address: Profit Edge, LLC, 9609 S University Drive, PO Box 630712, Highlands Ranch, Colorado, United States

2. Information We Collect

2.1 Information You Provide Directly

When you use Benefits Confidence, you may provide:

• Contact information: name, email address
• Household information: household size, number of dependents, ages of household members
• Financial information: household income, employment status, income sources
• Geographic information: state of residence
• Program participation: current government benefit programs you participate in
• Payment information: processed through Stripe; we do not store your full card number

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information:

• IP address
• Device and browser type, operating system
• Referral source (e.g., if you arrived via a partner link)
• Cookies and similar tracking technologies (see Section 5)

2.3 Information from Third Parties

We may receive information from:

• Tax professionals or partners who refer you to our service, which may include your name and email address
• Affiliate partners tracked via Rewardful, which records referral source information
• Stripe, our payment processor, which provides transaction confirmation and limited payment metadata

2.4 Sensitive Personal Information

Some information we collect may be considered "sensitive" under applicable privacy laws, including income data, household financial circumstances, and government program participation. We use this information solely to generate your benefits screening report and do not use it for advertising, profiling, or sale to third parties.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service delivery: To generate your personalized benefits screening report and deliver your access code.
• Payment processing: To confirm and process your service fee through Stripe.
• Communications: To send you your access code, report delivery confirmation, and service-related notices via Resend/email.
• Future marketing communications: If you opt in, to send you information about our services, updates, or related resources. You may opt out at any time (see Section 7).
• Platform improvement: To analyze usage patterns and improve the screening tool, website performance, and user experience.
• Legal compliance: To comply with applicable laws, respond to legal process, and enforce our Terms of Service.
• Fraud prevention: To detect, investigate, and prevent fraudulent transactions and misuse of our platform.

We do not use your information to make any automated decisions that produce legal or similarly significant effects on you. Our screening tool generates estimates for informational purposes only; all actual eligibility determinations are made by government agencies.

4. How We Share Your Information

4.1 Service Providers

We share your information with trusted third-party vendors who help us operate our platform. These providers are contractually obligated to protect your information and may only use it as directed by us:

• Stripe (payment processing): Payment card data and transaction information
• Resend (email delivery): Name and email address for report and access code delivery
• Supabase (database hosting): Encrypted storage of user and transaction records
• Netlify (website hosting): Web server infrastructure and serverless function processing
• Rewardful (affiliate tracking): Referral source data for partner commission tracking
• Google (Google Fonts, Google Workspace): Font delivery infrastructure and email communication; Google Fonts transmits visitor IP addresses to Google's servers as part of font loading

4.2 Business Partners and Referral Sources

If you access Benefits Confidence through a tax professional, financial coach, or certified partner, that partner may receive confirmation that you completed a purchase (for commission purposes). We do not share your screening results or sensitive financial data with referring partners.

4.3 Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency request). We will make reasonable efforts to notify you of such requests where permitted by law.

4.4 Business Transfers

In the event of a merger, acquisition, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you via email or prominent notice on our website before your information is transferred and becomes subject to a different privacy policy.

4.5 We Do Not Sell Your Information

5. Cookies and Tracking Technologies

5.1 What We Use

Our website uses the following types of cookies and tracking technologies:

• Essential cookies: Required for the website to function, including session management and payment processing security.
• Affiliate tracking: Rewardful uses session storage to track referral sources for partner commission attribution.
• Google Fonts: Our website loads fonts from Google's servers, which transmits your IP address to Google as part of that request. No behavioral tracking or analytics data is collected through this service.

5.2 Your Choices

Most web browsers allow you to control cookies through browser settings. You can set your browser to refuse cookies or to alert you when cookies are being sent. Note that disabling certain cookies may affect website functionality.

6. Data Retention

We retain your personal information for the following periods:

• Account and transaction records: Retained for a minimum of 7 years to comply with financial recordkeeping requirements.
• Screening input data (income, household): Retained for the duration of your access period (up to 6 months from access code issuance) plus 12 months, then deleted or anonymized.
• Email communications: Retained for 3 years.

You may request earlier deletion of your data subject to legal retention obligations (see Section 7).

7. Your Rights and Choices

7.1 All Users

Regardless of where you live, you have the following rights:

• Access: You may request a copy of the personal information we hold about you.
• Correction: You may request that we correct inaccurate information.
• Deletion: You may request deletion of your personal information, subject to legal retention requirements.
• Marketing opt-out: You may opt out of marketing emails at any time by clicking the unsubscribe link in any email or contacting us directly at support@benefitsconfidence.com.

7.2 California Residents (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to Know: You have the right to know what personal information we collect, use, and disclose.
• Right to Delete: You have the right to request deletion of your personal information, subject to certain exceptions.
• Right to Correct: You have the right to request correction of inaccurate personal information.
• Right to Opt Out of Sale/Sharing: We do not sell or share personal information for cross-context behavioral advertising purposes.
• Right to Limit Use of Sensitive Personal Information: You may request that we limit use of sensitive personal information (such as income and financial data) to purposes necessary to provide our services.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise your California privacy rights, contact us at support@benefitsconfidence.com. We will respond to verifiable requests within 45 days. We may need to verify your identity before processing your request.

California residents may also submit requests through an authorized agent. We require written authorization from you before we will process a request from an agent.

7.3 Colorado Residents (Colorado Privacy Act)

If you are a Colorado resident, you have rights under the Colorado Privacy Act (CPA), including the right to access, correct, delete, and obtain a portable copy of your personal data, and the right to opt out of targeted advertising and profiling. To exercise these rights, contact us at support@benefitsconfidence.com. We will respond within 45 days, with a possible 45-day extension when reasonably necessary.

If we deny your request, you may appeal by contacting us at support@benefitsconfidence.com with the subject line "Privacy Rights Appeal." If your appeal is denied, you may contact the Colorado Attorney General at coag.gov.

7.4 Other State Residents

Residents of Virginia (VCDPA), Connecticut (CTDPA), Texas (TDPSA), and other states with comprehensive privacy laws may have similar rights. We extend equivalent access, correction, deletion, and opt-out rights to all users regardless of state. Contact us at support@benefitsconfidence.com to exercise these rights.

8. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information, including:

• Database access controls with Row Level Security (RLS) enforced at the database level
• Server-side processing of eligibility logic and payment verification (sensitive data not exposed client-side)
• Encrypted connections (HTTPS/TLS) for all data transmission
• Limited access to personal data on a need-to-know basis

No method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. In the event of a data breach that affects your rights and interests, we will notify you as required by applicable law.

9. Children's Privacy

Benefits Confidence is not directed to individuals under 18 years of age. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected personal information from a child under 18 without parental consent, we will delete that information promptly. If you believe we have collected information from a minor, please contact us at support@benefitsconfidence.com.

10. Third-Party Links

Our website may contain links to government agency websites (such as SSA.gov, IRS.gov, Benefits.gov) and other third-party sites provided for your convenience. These sites are governed by their own privacy policies. Our inclusion of a link does not imply endorsement or any responsibility for their privacy practices. We encourage you to review the privacy policies of any site you visit.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will:

• Update the "Effective Date" at the top of this policy
• Post the revised policy at www.BenefitsConfidence.com/privacy
• Notify you by email if we have your contact information and the changes materially affect how we handle your data

Your continued use of Benefits Confidence after the effective date of a revised policy constitutes your acceptance of the changes.

12. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or our data practices, please contact us:

We will respond to privacy inquiries within 30 days. For formal rights requests under state privacy laws, response timelines are as described in Section 7.