Privacy Policy

1. Introduction

At Cakewalk Technologies, we take data privacy seriously. This Privacy Policy explains how we collect, share, and process information relating to individuals through our websites, platforms, and applications (our "Services"). It also outlines your privacy rights and options regarding our processing of Personal Information.

By using our Services, you agree to the terms of this Privacy Policy. If any term is unacceptable to you, please discontinue use of our Services.

This Privacy Policy applies to Cakewalk Technologies, Inc. ("Cakewalk," "we," or "us"), a company engaged in the design, distribution, administration, and underwriting of employee benefits products, including long-term disability, short-term disability, health, dental, vision, and other supplemental health insurance products.

2. What is Personal Information?

Personal Information is any information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, to a particular individual (e.g., name, address, social security number, and employment details).

3. Collection of Your Information

(a) Information You Provide Directly to Us

We may collect Personal Information when you engage with our Services for purposes such as underwriting, administration, and risk participation in employee benefit products. This includes:

First and last name, phone number, home/work address, and email address.
Date of birth, social security number, or other government-issued identification.
Employment details such as job title, salary, and benefits-related information.
Financial information such as bank account details for benefits disbursement or premium payments.
Health-related data when applying for disability or other health-related insurance products.
Any other information you voluntarily provide to us, including inquiries, customer service communications, or survey responses.

(b) Personal Information We Collect Automatically

When you use our Services, we may collect certain information automatically, such as:

Your IP address, browser type, and device identifiers.
Pages viewed, actions taken, and other usage data.
Information collected through cookies, web beacons, and similar technologies (see the "Cookies" section below).

If you provide Personal Information about other individuals (e.g., dependents or employees), you must have the appropriate authority to do so. It is your responsibility to ensure this information is accurate and relevant.

(d) Service Providers and Public Forums

We may collect additional Personal Information, such as credit reports, background checks, or information from publicly available sources (e.g., financial institutions, tax authorities) when necessary to provide our Services.

4. How We Use Your Personal Information

Cakewalk Technologies collects Personal Information for various purposes, including but not limited to:

Underwriting, administering, and processing employee benefits products.
Personalizing insurance products based on your unique data and needs.
Communicating with you regarding your account, claims, or transactions.
Providing quotes and processing applications.
Complying with legal or regulatory obligations.
Improving and personalizing our Services.
Conducting internal analytics to enhance product development.
Processing payments, including premiums, claims, and reimbursements.
Protecting against fraud and ensuring security.

5. Sharing of Personal Information

Cakewalk Technologies may disclose your Personal Information to:

Service Providers: Third-party vendors involved in providing our Services (e.g., insurance carriers, claims processors, financial institutions, fraud detection agencies).
Employers: If your employer sponsors your benefits, we may share relevant information to fulfill your benefits package.
Regulatory Authorities: We may share your data with government entities as required by law or regulation.
Affiliates: We may share information with our affiliated entities for the purposes of providing Services or conducting internal analysis.

All third parties with whom we share Personal Information are contractually required to protect and limit the use of your data.

6. Retention of Personal Information

We retain Personal Information for as long as necessary to provide our Services, fulfill legal obligations, and protect our legal interests. We maintain a data retention policy to ensure that Personal Information is deleted or anonymized once it is no longer required.

7. Security Safeguards

Cakewalk Technologies implements reasonable administrative, technical, and physical safeguards to protect your Personal Information from unauthorized access, use, disclosure, or destruction. However, no security system is foolproof, and we cannot guarantee the absolute security of your data. In the event of a data breach, we will take appropriate action, including notifying affected individuals in accordance with applicable laws.

8. Your Rights and Choices

You have the right to:

Access your Personal Information.
Correct inaccuracies in your data.
Delete your Personal Information, subject to legal obligations.
Withdraw Consent for certain data uses (where consent is required).

To exercise these rights, please contact us using the information provided below. We may need to verify your identity before processing your request.

9. Cookies and Tracking Technologies

We use cookies, web beacons, and other tracking technologies to improve your experience and gather information about how our Services are used. Cookies help us understand your preferences, enhance website performance, and ensure secure access. You may manage or block cookies through your browser settings, but please note that some features of our Services may not function properly if cookies are disabled.

10. Third-Party Links

Our Services may contain links to third-party websites or services. This Privacy Policy does not apply to those third-party sites. We encourage you to review the privacy policies of any external sites you visit.

11. International Data Transfers

If you are located outside the United States, your Personal Information may be transferred to and processed in countries other than your own. We will ensure that appropriate safeguards are in place to protect your data in accordance with applicable privacy laws.

12. Children’s Privacy

Our Services are not directed at individuals under the age of 18, and we do not knowingly collect Personal Information from children. If we become aware that we have collected Personal Information from a child, we will take steps to delete the information.

13. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The "Last Modified" date at the top of this page indicates when the policy was last revised. Any changes will be posted on our website, and your continued use of our Services after such changes will constitute your acceptance of the updated policy.

14. Contact Us

For any questions or concerns regarding this Privacy Policy or to exercise your data rights, please contact us at:

Cakewalk Technologies
Attention: Privacy Department
privacy@cakewalkbenefits.com
423-509-0055