Privacy Policy

This Privacy Policy (the "Policy") describes how X Benefits, together with its affiliates and subsidiaries (collectively, "X Benefits," the "Company," "we," "us," or "our"), collects, uses, discloses, retains, and safeguards Personal Information (as defined below) obtained through our website, application forms, and any related services, communications, or programs (collectively, the "Services").

This Policy applies to prospective and current partner companies ("Partner Companies"), applicants to and members of our affiliate network ("Affiliates"), and all other visitors and users (collectively, "you" or "your"). By accessing or using the Services, you acknowledge that you have read and understood this Policy. If you do not agree with this Policy, you must not access or use the Services.

"Personal Information" means any information that identifies, relates to, describes, or is reasonably capable of being associated with, directly or indirectly, a particular individual or household. Personal Information does not include information that has been de-identified, aggregated, or made publicly available through lawful means.

3.1 Information you provide. We collect information you voluntarily submit, including without limitation:

• Identifiers and contact data, such as full name, email address, telephone number, mailing address, and professional profile links;
• Professional and commercial information, such as company name, title or role, website, description of products or services, average deal size, ideal customer profile, and industry;
• Affiliate application information, such as geographic location, industries served, professional network, sales experience, and availability;
• Payment and tax information necessary to remit commissions, such as banking details for ACH direct deposit and taxpayer identification information; and
• Communications, including correspondence, survey responses, and any other information you elect to provide.

3.2 Information collected automatically. When you access the Services, we and our service providers may automatically collect device and usage information, including IP address, browser type, operating system, referring URLs, pages viewed, access times, and similar analytics data, through cookies, pixels, log files, and comparable technologies.

3.3 Information from third parties. We may receive information about you from Partner Companies, Affiliates, referral sources, publicly available sources, data and technology providers, and business contacts, which we may combine with information we otherwise hold.

We may use Personal Information for the following business and commercial purposes:

• To evaluate, process, and respond to applications, inquiries, and requests to collaborate;
• To provide, operate, and maintain the Services, including appointment setting, lead qualification, attribution, sales tracking, and partner dashboards;
• To calculate, verify, and remit commissions and other payments;
• To deliver training, coaching, marketing materials, and program communications;
• To identify and engage prospective buyers on behalf of Partner Companies, including through artificial intelligence and data-analysis tools;
• To monitor, secure, and improve the Services, and to detect, prevent, and investigate fraud, misuse, or unlawful activity;
• To comply with applicable laws, regulations, legal process, and contractual obligations, and to establish, exercise, or defend legal claims; and
• For any other purpose disclosed to you at the time of collection or with your consent.

We do not sell Personal Information for monetary consideration. We may disclose Personal Information to the following categories of recipients:

• Service providers and processors that perform services on our behalf, such as hosting, analytics, CRM, communications, and payment processing, subject to confidentiality obligations;
• Partner Companies, to the extent reasonably necessary to deliver appointments, introductions, and related Services;
• Affiliates, to the extent reasonably necessary to facilitate introductions and attribute sales;
• Professional advisors, including attorneys, accountants, and auditors;
• Governmental authorities, courts, or other third parties where required by law or where we believe disclosure is necessary to protect the rights, property, or safety of X Benefits, our users, or others; and
• A successor or acquirer in connection with any merger, acquisition, financing, reorganization, or sale of all or a portion of our assets.

We use cookies and similar technologies to operate the Services, remember preferences, analyze traffic, and measure effectiveness. You may configure your browser to refuse or delete cookies; however, certain features of the Services may not function properly as a result. Unless required by applicable law, we do not respond to "Do Not Track" signals.

By providing your telephone number or email address, you consent to receive calls, text messages, and emails from X Benefits and its Partner Companies regarding the Services, which may include messages sent using automated technology. Consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by replying "STOP" to text messages, using the unsubscribe link in emails, or contacting us at the address below.

We retain Personal Information for as long as reasonably necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, tax, or reporting requirements, resolve disputes, and enforce our agreements. When Personal Information is no longer required, we will delete, de-identify, or securely archive it in accordance with our retention practices.

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect Personal Information against unauthorized access, use, alteration, and disclosure. Notwithstanding the foregoing, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any credentials associated with your account.

Subject to applicable law, including state consumer privacy laws, you may have the right to: (a) request access to, or a copy of, the Personal Information we hold about you; (b) request correction of inaccurate Personal Information; (c) request deletion of your Personal Information; (d) opt out of certain processing, including targeted advertising or profiling; and (e) not be discriminated against for exercising any such rights.

To submit a request, contact us using the information below. We may need to verify your identity before fulfilling your request and may decline requests where permitted by law. Authorized agents may submit requests on your behalf with appropriate written authorization.

The Services are intended solely for business purposes and for individuals who are at least eighteen (18) years of age. We do not knowingly collect Personal Information from children under the age of thirteen (13). If we learn that we have collected such information, we will take prompt steps to delete it.

The Services may contain links to, or integrations with, third-party websites and services that are not owned or controlled by X Benefits. We are not responsible for the privacy practices of such third parties, and we encourage you to review their privacy policies.

X Benefits is based in the United States, and Personal Information may be processed and stored in the United States or other jurisdictions where we or our service providers operate. By using the Services, you acknowledge such transfer and processing, which may be subject to data-protection laws different from those of your jurisdiction.

We reserve the right to amend this Policy at any time. Material changes will be indicated by updating the "Last updated" date above and, where required by law, by providing additional notice. Your continued use of the Services after the effective date of any revised Policy constitutes your acceptance of the revised Policy.