Privacy policy

What this policy covers

This policy describes how TMRW Benefits collects, uses, and shares information when you visit tmrwbenefits.com, fill out a form, or contact us.

Information we collect

Information you provide. When you submit a contact form, request a quote, or apply to the broker partnership, we collect the information you give us — typically name, email address, phone number, business or household details relevant to your inquiry, and the content of your message.

Information collected automatically. When you visit the site, we collect anonymous usage analytics through Cloudflare Web Analytics — a privacy-focused, cookie-free analytics service. We do not use third-party cookies or behavioral tracking on this site.

How we use information

• Respond to your inquiry, prepare quotes, and provide brokerage services
• Communicate with you about your account, coverage, or partnership
• Comply with legal, regulatory, and carrier disclosure requirements
• Improve the website experience based on aggregate analytics

How we share information

We share your information only with:

• Insurance carriers we are appointed with, when necessary to obtain quotes or place coverage
• Service providers (e.g., HubSpot for CRM, our enrollment platform vendor) under contractual confidentiality obligations
• Regulators or legal authorities where required by law

We do not sell your personal information. We do not share data with advertising networks.

Data retention

We retain inquiry data for as long as necessary to respond to your inquiry and as required by carrier and regulatory recordkeeping rules. Active client data is retained for the duration of the engagement plus the regulatory minimum required by applicable insurance laws.

Your rights

Depending on your state of residence, you may have rights to access, correct, or request deletion of personal information we hold about you. To exercise these rights, contact us at jesse@tmrwbenefits.com.

Security

We use industry-standard security practices for transmitting and storing personal information. No internet-based service can guarantee absolute security; we encourage you to use strong passwords for any account where you transact with us.

Children

This site is not intended for children under 13, and we do not knowingly collect personal information from children.

Changes to this policy

We may update this policy from time to time. The "last updated" date at the top reflects the most recent revision.

Contact

Questions about this policy or our privacy practices: jesse@tmrwbenefits.com or 646-634-0799.