Privacy Policy

Introduction
CuatroBenefits, LLC or “we” respects your privacy and is committed to protecting it through our
compliance with this privacy policy (“Privacy Policy”). This Privacy Policy describes the types of Personal
Information (defined below) that we may collect in connection with servicing your group benefit
package and our practices for collecting, using, storing, transferring, processing and disclosing that
information.
Please read this Privacy Policy carefully to understand our policies and practices regarding our
treatment of your Personal Information. By allowing us the opportunity to be your agent of record (BOR)
you are consenting to the application of this Privacy Policy to your Personal Information, including our
collection, storage, use, transfer, and disclosure of your Personal Information as described in this Privacy
Policy. This Privacy Policy may change from time to time. We will notify you in writing after we make
changes and require a read receipt which will deemed to be acceptance of those changes, so please
check this Privacy Policy periodically for updates.
Please note that this Privacy Policy applies only to your Personal Information that CuatroBenefits, LLC
collects from you through electronic written request. It does not apply to information that
CuatroBenefits, LLC or its affiliates may collect from you through any other means, including through its
affiliates’ website(s) or through other applications provided by CuatroBenefits, LLC or its affiliates. Please
refer to CuatroBenefits affiliates’ websites/applications for their associated privacy policies.
Information Collected by CuatroBenefits, LLC
• In connection with your use of the Benefits Administration portal, Ease, (the Site), you will be asked to
set up a user account (a “User Account”) You will be asked to provide certain information, such as
your name, date of birth, social security number, residential address, e-mail address, telephone
number, date of hire, salary, prior coverage, medicare coverage, smoker status, and disclose
disability status, dependent information to include name, date of birth, gender, social security
number, and residential address, and disclose disability status This information is used to create your
User Account within the Site for marketing and reporting purposes.
• While you use the Site, CuatroBenefits, LLC may collect information from you or about you,
including:
o Information that you provide by filling out forms within the Site. This includes information
provided at the time of requesting a User Account, requesting information, or enrolling in
benefit plan. We also may ask you for information if you report a problem with the Site;
o Records and copies of your correspondence through the Site with us;
o Information about your use of the Site, which is collected automatically as you navigate
through the Site.
• In the manners described above, we collect several types of information from or about you:
o Information by which you may be personally identified, such as your name, address, e-mail
address, telephone number, employer name, and any other information by which you may
be contacted online or offline (“Personal Information”);
o Information that relates to you or your business activities but that does not identify you as
an individual, such as information about your employer company; and
o Information about the equipment you use to access our Site, such as your operating
system and version, computer, IP address and usage details, and information about how
you use the Site.
Cookies and GIFs
As you navigate through and interact with the Site, Ease may use automatic data collection technologies
to collect certain information about your equipment and your actions and patterns on the Site (“User
Activity Information”), including (i) details of your use, including traffic data, logs and other communication
data and the resources that you access and use and (ii) information about your computer, including your
operating system, IP address, and other data.
The User Activity Information that Ease collects automatically helps to improve their Site and to deliver a
better and more personalized service, including by enabling us to estimate our usage patterns, display
information you request in your relevant time zone as appropriate, and recognize you when you return to
the Site.
The technologies we use for this automatic data collection may include cookies. A cookie is a small file
placed on the hard drive of your device. Ease may use cookies to help analyze Site usage, customize our
services, measure Site effectiveness, and promote trust and safety. You may refuse to accept cookies by
activating the appropriate setting on your device. However, if you select this setting, you may be unable to
use certain features of the Site. Unless you have adjusted your device settings to refuse cookies, the Site will
issue cookies when you open the Site on your device. Other companies’(including Ease) use of their
cookies is subject to their own privacy policies, not this Privacy Policy. Other companies do not have
access to our cookies.
[We do not use automatic data collection technologies to engage in behavioral tracking. As a result, the
Site does not respond to “do not track” signals or other similar mechanisms.]
How We Use Your Information
We use information that we collect about you, including any Personal Information, for the following
purposes:
• Market employee benefit packages to include but not limited to -medical, dental, vision, life,
supplemental life, disability, unique benefits, and wellness options
• Enhance, improve and develop benefit packages and resources that bring value to employees and
their family
• To provide you with information or services that you request from us;
• To resolve disputes and troubleshoot problems;
• To assist with claims filing as needed (disability) research claims issues and appeals
• To verify benefits
• To prevent potentially unsafe, prohibited, or illegal activities and enforce this Privacy Policy and any
applicable licensing agreements between CuatroBenefits, LLC and relevant third parties and any terms
and conditions associated therewith;
• To provide notices to you about your User Account with Ease;
• To carry out our obligations and enforce our rights arising from any contracts related to the Site and
entered into between you and us;
• To notify you about changes to the Site or any services that we offer;
• To fulfill any other purpose for which you provide such information;
• To support maintenance operations for the Site or for the purpose of diagnosing/resolving any problems
that might limit/disrupt the quality of users’ experience;
• In any other way we may describe when you provide the information; and
• For any other purpose with your consent.
Use of Your Information to Communicate with You
We may use your Personal Information to communicate with you about the Site or your User Account,
including by e-mail, text messages, and other forms of communication.
We may use your Personal Information to respond to communications from you, including responding to
your requests for information or updates related to the Site and information provided through the Site. We
also may send you administrative communications relating to your User Account, such as communications
for the purpose of account recovery or resetting a password. These communications are considered part
of your User Account, and you may not be able to opt-out from receiving such communications. We will
never e-mail you to ask for your password or other User Account information.
Disclosure of Your Information
We may disclose information that we collect from or about you to fulfill the purpose for which you
provided such information, including but not limited to Personal Information:
• To our carrier affiliates;
• To third parties, such as cobra administrators, claims processors, Tax-Advantage Account
Representatives, Providers, Facilities to confirm benefits, funeral homes, free standing lab and Radiology
Centers (“Service Providers”) that provide assistance to our business and the operation and
maintenance of the Site. Service Providers with whom we share such information generally are bound
by confidentiality obligations, and, unless we tell you differently, our Service Providers do not have any
right to use the information we share with them beyond the scope and duration of what is necessary to
assist us;
Notwithstanding any other provisions of this Privacy Policy, we also reserve the right to access, preserve, use
and disclose any information, including, but not limited to, Personal Information, as we reasonably believe is
necessary, in our sole discretion: (i) to respond to legal requirements, including complying with any court
order, law or legal process and responding to any government or regulatory request, including responding
to law enforcement or other government officials in response to a verified request relating to a criminal
investigation or alleged illegal activity; (ii) to enforce or apply our policies and agreements; (iii) to detect,
prevent or otherwise address fraud, security, trust and safety or technical issues; (iv) to respond to user
support requests; or (v) to protect the rights, property, health or safety of CuatroBenefits, LLC, our users,
clients, any third parties or the public in general.
We may create aggregate information about our users and their use of the Site, which information does not
identify any particular user. We may use this aggregated information to monitor and improve our products.
We also may disclose this anonymous, aggregated information to people and entities with which we do
business with to market products and services.
Credit Card Information
CuatroBenefits, LLC or The Site will not collect, and does not desire to receive, any credit card information.
When necessary for payments your credit card information will be collected and processed outside of
CutroBenefits, LLC or the Site, by a third-party payment processor. This Privacy Policy does not govern the
practices of third-party payment processors, and, if you disclose your information to a third-party payment
processor, different rules may apply to its use and disclosure of the information you disclose to such thirdparty
payment processor. You acknowledge that if you provide information to third-party payment
processors, that information will be subject to their user agreements, terms and conditions of sale, privacy
policies and other applicable policies and agreements, which may differ from this Privacy Policy. We are
not responsible for the policies of third-party payment processors.
User Account Information
You may edit certain information, including your name, dependents, beneficiaries, selections of certain
benefits, and the password associated with your User Account, at any time by logging into the Site and
visiting your User Account settings. If you wish to edit any other information associated with your User
Account, please contact gala@cuatrobenefits.com
Third Parties
You may be given the opportunity to elect to access and use third party service or applications (“Third-
Party Services”) through the Site. This Privacy Policy addresses only CuatroBenefits, LLC collection, use and
disclosure of information collected by you or through the Site. It does not apply to the practices of third
parties that we do not own, control, employ or manage, including, but not limited to, any Third-Party
Services. If you disclose your information to a Third-Party Service, including through the Site, different rules
may apply to that third-party’s use or disclosure of the information you disclose to that third party. You
acknowledge that if you provide information to third parties, that information will be subject to the privacy
policies and user agreements associated with those Third-Party Services, which may differ from this Privacy
Policy. We are not responsible for the content, user agreements or privacy policies of Third-Party Services.
Some content or applications within the Site are served by third parties, including content providers and
application providers. These third parties may use cookies, alone or in conjunction with web beacons or
other tracking technologies, to collect information about you when you use the Site. The information they
collect may be associated with your personal information. We do not control these third parties’ tracking
technologies or how they may be used.
Security
Information provided through the creation of your User Account is protected by a password for your
privacy and security. You are responsible for keeping this password confidential. It is important that you
prevent unauthorized access to your User Account and information by using a unique, secure, and
protected password and limiting access to your password and your
device. You should not share your password with any third party, or allow any third party to access the Site
using your password.
Unfortunately, information transmitted through the Internet or other communication networks may not be
completely secure, and third parties may unlawfully intercept or access transmissions or private
communications. Although we work hard to protect your privacy, we cannot guarantee the security of
information or that your Personal Information or private communications always will remain private.
Unauthorized entry or use, hardware or software failure, and other factors may compromise the security of
user information at any time. Any transmission of Personal Information is at your own risk, and we are not
responsible for the circumvention of any privacy settings or security measures contained within the Ease
Site.
California Privacy Rights
California Civil Code Section 1798.83 permits certain users of the Site to request certain information
regarding our disclosure of Personal Information to third parties for their direct marketing purposes. If you
are a customer within the meaning of Section 1798.83 (i.e. an individual person who is a California resident
and who provided personal information to us and your business relationship with us is primarily for personal,
family or household purposes), you may have the right to make such a request. To make a request,
contact gala@cuatrobenefits.com or write us at: 999 E Street NW, Suite 400, Washington, D.C. 20004
Changes to the Privacy Policy
We may amend this Privacy Policy at any time by posting the amended Privacy Policy on our website or
sending direct notice to you with a required read receipt page. The date the Privacy Policy was last
revised is identified at the top of this Privacy Policy. All amended terms automatically take effect after they
are initially posted on this page, unless a change in any applicable law requires immediate amendment.
You are responsible for periodically checking for any updated Privacy Policy changes.

Questions & Concerns
If you have any questions or concerns regarding this Privacy Policy, please contact Gala Burns at
gala@cuatrobenefits.com .

Last updated 06/27/22