Our Privacy Policy: Businessolver.com, Inc. (“Businessolver,” “We,” “Us,” or “Our”) is committed to safely and securely handling the Personal Information (as defined below) that we receive from our clients, our clients’ employees, and the companies that we engage to provide us with data and other services. We have established this privacy policy (the “Policy”) to define the responsibilities that Businessolver accepts when collecting, processing, and distributing Personal Information and other data through your use of the Benefitsolver.com website (“Benefitsolver” or the “Site”), via the MyChoice Consumer Accounts application or website or directly from you, your employer or your health carriers. Businessolver may modify, amend, or eliminate this Policy at any time, with or without notice, except as required by law. Businessolver will communicate changes to this Privacy Policy by publishing a revised version of the policy to Businessolver, MyChoice Consumer Accounts and Workterra websites.
Personal Information: “Personal Information,” as used in this Policy, means information that may personally identify an individual, which may include but is not limited to: personal identification number, name, date of birth, title, business or home address, and telephone number. For participants who have elected a Flexible Spending Account (FSA), Health Reimbursement Arrangement (HRA), or that consent to Decision Support, this information can include claims data.
Businessolver Practices: When an employer engages Businessolver as a service provider that will necessitate the exchange of employee information, the employer provides us with information that is typical of such information that an employee provides to his or her human resources and payroll departments. Such information often includes but is not limited to: name, address, social security number, title, salary, date of hire, benefit elections, and dependent information. Additionally, client employees and their covered family members may provide information to support their FSA, HRA, or HSA claims administration, or in support of enrollment events or life events impacting their benefits enrollments. We require this information to deliver quality services to our employer clients and their employees. Businessolver uses this information to generate and deliver benefits-related information to carriers and other third-party service providers on the behalf of employers, to communicate with employers regarding their employees’ benefits, and to communicate with participants directly relating to their interaction with the Site or the services provided by Businessolver via contract with their employer. We do not sell this information. We do not share this information except as necessary to perform our services and as permitted by our contract with your employer. In addition, Businessolver may capture, via cookies, identifying information when you visit our websites. This information is used to ensure quality of service and for compliance with legal and contractual obligations. Such information often includes but is not limited to: device identifier, browser type, and IP address. Users have the ability to decline all non-essential cookies.
Part 1 – Accountability
We are responsible for all Personal Information that is under our control, and we are committed to its ongoing protection in accordance with the terms of this Policy. To protect the Personal Information that Businessolver collects from our clients and their employees, we have designated a Privacy Officer who is responsible for Policy compliance, the protection of Personal Information, and the development and implementation of appropriate Personal Information policies and practices.
Any questions or inquiries regarding this Policy and/or Businessolver’s privacy practices should be directed to the Privacy Officer, who can be reached at:
Email: [email protected]
Write:
Businessolver.com, Inc.
Attn: Privacy Officer
1025 Ashworth Road
West Des Moines, IA 50265
Part 2 – Identifying Practices
It is the policy of Businessolver to clearly explain why we need the Personal Information that we collect, how we use it, and to whom we may disclose it.
Our complex business practices require Businessolver to share Personal Information with third-party service providers from time-to-time on behalf of our clients. All such disclosures of Personal Information are done in accordance with this Policy.
We may also share Personal Information with third parties in the event of a sale, merger, liquidation, dissolution, reorganization, or acquisition involving Businessolver (each, a “Corporate Transaction”). In the event that Personal Information must be shared to complete a Corporate Transaction, we will require any persons involved in such Corporate Transaction to maintain a level of privacy protection with respect to any transferred Personal Information that is at least as protective of the Personal Information as this Policy unless the subject of the Personal Information consents to different privacy terms presented by the applicable successor entity.
In addition, Businessolver may disclose Personal Information in response to a subpoena or a demand from a law enforcement agency or regulator to the extent consistent with applicable federal and state laws and regulations..
Part 3 – Consent
Personal Information is only collected, used, or disclosed, on behalf of the client, consistent with our contracted services and in support of our client’s health plan operations. Businessolver collects, uses, and discloses this data only with the knowledge and consent of the specific individual or employer and in support of the participant’s health plan operations. Depending on the situation, such consent may be either express or implied. However, Businessolver attempts to obtain express consent, whenever possible.
In certain limited circumstances, as law permits or requires, Businessolver collects, uses, or discloses Personal Information without the individual’s knowledge or consent. These circumstances include, without limitation, where applicable law, subpoena, warrant, or other court order, requires Businessolver to disclose such Personal Information.
Part 4 – Limiting Collection
Businessolver limits the amount and type of Personal Information collected to that which is necessary to accomplish our business purpose and to comply with our legal and regulatory compliance obligations. Our collection of Personal Information is only performed by fair and lawful means on behalf of our clients.
Part 5 – Limiting Use, Disclosure, and Retention
Businessolver does not use or disclose Personal Information for any purposes other than those for which it was collected, except with the consent of the participant or client, or as otherwise permitted or required by law. Personal Information is retained online and in backups only as long as necessary to fulfill the intended purpose, to comply with our legal and regulatory obligations, and/or as otherwise permitted by law. If Personal Information may be retained and unable to be destroyed through reasonable measures, Businessolver affords this information the same security and protection as it does with all current Personal Information until such time as it can be destroyed.
Businessolver will share Personal Information only with third parties that have been authorized to receive this information by Businessolver or Businessolver Clients. Information collected as part of Businessolver’s normal business practices may be de-identified, meaning that it may no longer be used to reasonably identify the individual with which it was originally associated. De-identified information may be used, stored, analyzed, reproduced, processed, distributed, or disclosed at Businessolver’s discretion unless prohibited by applicable law.
Part 6 – Accuracy
On both an initial and ongoing basis, Businessolver uses all reasonable efforts to ensure that Personal Information is as accurate, complete, and up-to-date as is necessary for the purposes for which it is collected and used. Businessolver’s clients and their respective employees have an obligation to keep Businessolver informed about any changes or other updates to any Personal Information.
Part 7 – Safeguards
Businessolver has safeguards appropriate to the sensitivity of information to protect the Personal Information we collect, use, and disclose on behalf of our clients. We take all reasonable means necessary to ensure that Personal Information under our care is protected against loss or theft, unauthorized access, unauthorized disclosure, copying, use, or modification. This includes, but is by no means limited to, physical, organizational, and technological methods.
Businessolver employees, agents, and contractors are instructed to only use Personal Information in adherence to the principles set forth in this Policy and applicable laws.
Businessolver uses reasonable, contractual, and technological, or other means to provide an appropriate level of protection when participant information is being transferred between entities.
Part 8 – Openness
Businessolver makes specific information regarding this Policy and other privacy practices readily available. This Policy is updated on a periodic basis such that it reflects current processes, procedures, and operations.
Businessolver strives to make the policies, procedures, and disclosures regarding Personal Information that it communicates to its clients and/or their employees simple, clear, and easily accessible.
Part 9 – Use of Artificial Intelligence (AI)
Read the Businessolver Artificial Intelligence (AI) Statement here. (link)
Part 10 – Access
Upon written request, we will inform an individual of the existence, use, and/or disclosure of his/her Personal Information, categories of personal information Businessolver has collected, sources from which it has received this information, purpose for collecting this information, third parties with which this information has been shared, specific pieces of personal information collected, and provide individual access to view disclosed information. Any individual may challenge the accuracy and completeness of his/her Personal Information and have it amended if feasible. Employees of Businessolver’s clients may be able to access, amend, and update certain Personal Information directly by logging on to the Businessolver platform.
We honestly and timely respond to all requests regarding the type of information that Businessolver stores, uses, and to whom it has been disclosed. If, however, we are unable to provide certain information, an explanation outlining the prohibiting reason will be provided to the requesting individual, in writing. Such exceptions are limited and specific, but may include but are not limited to: cost barriers, references to other individuals, or for specific legal, security, or litigation privileges.
Part 11 – Challenging Compliance
Any individual may, at any time, challenge Businessolver’s compliance with this Policy by contacting our Privacy Officer, whose contact information is provided above. We will investigate all complaints and if found to be justified, we will take all appropriate measures, including, if necessary, amending our policies and practices.
Part 12 – Use of Artificial Intelligence
Businessolver uses the power Artificial Intelligence (AI) to support participant’s and their benefits enrollment experience in several ways. For a more comprehensive review of how Businessolver supports our clients and their participants via AI, see the Businessolver Artificial Intelligence Use Statement, here.
If you have questions regarding this Privacy Policy, or any other aspect of your relationship with Businessolver, please contact our Privacy Officer ([email protected]).
Last updated – February 2025
