Privacy Notice

This Privacy Notice (“Notice”) is designed to help you understand how Advocate Inc., dba Nava Benefits (“Nava,” “we,” “us,” or “our”) collects, uses, and shares your personal information and to help you understand and exercise your privacy rights. This Notice applies to Nava’s processing of personal information including on our website available at www.navabenefits.com (the “Nava Website”), our mobile application (the “Nava App”), and our other online or offline offerings which link to, or are otherwise subject to, this Notice (collectively, the “Services”).

Special Note to Participants of Employer-Sponsored Benefits Programs: If you are a participant in your employer’s benefit offerings (such employer, the “Client”), this Notice does not apply to the processing of protected health information (“PHI”) by the Client as defined by the Health Insurance Portability and Accountability Act of 1996 as amended. This Notice applies only to our collection, use, and disclosure of non-PHI personal information and may be governed by an agreement we have with your Client.

1. Updates to this Privacy Notice

We may update this Privacy Notice from time to time in our sole discretion. If we do, we’ll let you know by posting the updated Privacy Notice on our website and/or we may also send other communications.

2. Personal Information We Collect

We collect personal information you provide to us, personal information we collect automatically when you use the Services, and personal information from third-party sources, as described below.

A. Information You Provide to Us Directly

We may collect personal information that you provide to us.

  • Account Information. We may collect personal information in connection with the creation or administration of your account. This personal information may include, but is not limited to, your name, email address, phone number, username, and other information you store with your account.
  • Payments. If you are an employer, we may collect personal information and details associated with your payment.
  • Your Communications with Us. We may keep a record of the information you choose to communicate to us.
  • Surveys. We may contact you to participate in surveys. If you decide to participate, we may collect personal information from you in connection with the survey.
  • Interactive Features. We may collect personal information that you submit through our interactive features.
  • Job Applications. If you apply for a job with us, we will collect any personal information you provide in connection with your application.

B. Personal Information Collected Automatically

We may collect personal information automatically when you use the Services.

  • Device Information. We may collect personal information about your device.
  • Usage Information. We may collect personal information about your use of the Services.

C. Personal Information Collected from Third Parties

We may collect personal information about you from third parties.

  • Third-Party Services and Sources. We may obtain information about you from other sources, including through third-party services.

3. How We Use Personal Information

We use personal information for various business purposes, including to provide the Services, for administrative purposes, and to market our products and Services.

A. Provide the Services

We use personal information to fulfill our contract with you and provide the Services, such as managing your information; answering requests for support; and processing applications if you apply for a job.

B. Administrative Purposes

We use personal information for various administrative purposes such as security, fraud prevention, and improving services.

C. Marketing and Advertising Our Products and Services

We may use personal information to tailor and provide you with marketing and other content.

D. With Your Consent or Direction

We may use personal information for other purposes that are clearly disclosed to you at the time you provide personal information, with your consent.

4. How We Disclose Personal Information

We disclose personal information to third parties for various business purposes.

A. Disclosures to Provide the Services

We may disclose personal information to third-party service providers to help us provide our Services.

B. Disclosures to Protect Us or Others

We may access, preserve, and disclose any information we store associated with you to external parties as required by law or to protect our rights.

C. Disclosure in the Event of Merger, Sale, or Other Asset Transfers

If we are involved in a transaction such as a merger or sale of assets, your personal information may be disclosed.

5. Your Privacy Choices and Rights

Your privacy choices regarding your personal information include opting out of receiving emails or text messages from us, and you may also access, correct, or delete your personal information.

6. Security of Your Information

We take steps to ensure that your information is treated securely. However, we cannot guarantee complete security.

7. International Transfers of Personal Information

All personal information processed by us may be transferred and processed outside your country.

8. Retention of Personal Information

We store the personal information we collect as described in this Privacy Notice for as long as necessary to fulfill the purpose(s) for which it was collected.

9. Supplemental Notice for Nevada Residents

Residents of Nevada have rights regarding the sale of their personal information to third parties.

10. Children’s Personal Information

The Services are not directed to children under 13, and we do not knowingly collect personal information from children.

11. Third-Party Websites/Applications

The Services may contain links to other websites/applications. We are not responsible for their privacy practices.

12. Contact Us

If you have any questions or concerns regarding your privacy, please contact us at:

Advocate Inc., dba Nava Benefits
228 Park Ave S
PMB 97880
New York, NY 10003-1502
privacy@navabenefits.com
1-800-395-4702

Annex A – Supplemental U.S. Privacy Notice

This Supplemental U.S. Privacy Notice supplements our Privacy Notice and only applies to our processing of Personal Information from U.S. consumers residing in states with comprehensive privacy law.