Privacy Policy

Effective Date: June 25, 2026 Last Updated: June 25, 2026

This Privacy Policy explains how You Benefit Insurance Services and You Benefit Solar LLC ("You Benefit," "we," "us," or "our") collect, use, disclose, and protect personal information through our websites youbenefit.us and youbenefit.solar, and through the quote and contact forms on those sites.

You Benefit Insurance Services is a licensed insurance brokerage (National Producer Number 8694362) serving California, Colorado, Texas, Georgia, South Carolina, Tennessee, and Kansas. Our mailing address is 755 Baywood Drive, 2nd Floor, Petaluma, CA 94954. You can reach us by phone at (707) 659-6555 (group health / insurance) or (707) 789-5000 (solar), and by email at info@youbenefitca.com.

We have written this policy in plain language and try to keep it accurate to what we actually do. We do not use absolute promises like "we never share your data" or "your data is 100% secure," because no honest business can guarantee those things. Instead, we describe our real practices below.

Quick Summary (please read the full policy for details)

• We help individuals and employers shop for insurance and solar. To do that, we share the information you submit — including your name, phone number, and email — with licensed insurance carriers, agents, advisors, and (for solar) installers so they can prepare quotes and contact you.
• Because this is a quote/lead service, submitting a request means you are asking us to share your information with those licensed advisors, carriers, and installers. That is different from selling your data for money to unrelated parties — but under California law, routing your information to those parties can still count as a "sale" or "share," so we treat it that way and give you opt-out choices.
• You can ask us to know, delete, or correct your information, and you can opt out of the sale/sharing of your personal information and limit the use of your sensitive information. See Your Privacy Choices and Rights below.
• If we contact you by phone, text, or email, you can opt out of texts at any time by replying STOP. See the Calls and Text Messages section for how consent works on each form.
• This policy is general information and is not legal advice.

1. Who We Are

We operate two related brands under common ownership:

• youbenefit.us — group health insurance and HR services for employers, operated by You Benefit Insurance Services, a licensed insurance brokerage (NPN 8694362).
• youbenefit.solar — an independent, licensed California solar agency that connects consumers with vetted solar installers, operated by You Benefit Solar LLC.

These brands are run by the same team and share the same systems and staff, so information submitted on one site may be handled by the people and infrastructure that support the other. We also operate a sister site, applycoverage.com, for individual and family coverage (see Out-of-State Processing and Links to Other Sites).

Privacy contact: You Benefit — Privacy 755 Baywood Drive, 2nd Floor, Petaluma, CA 94954 Phone: (707) 659-6555 Email: info@youbenefitca.com

2. The Information We Collect

Information you give us

When you complete a quote or contact form, we collect what you provide. The fields differ by site:

• Group health (youbenefit.us): your company-size range (for example, 1–9 or 100+), your ZIP code, and a work email address. This form does not collect a phone number.
• Solar (youbenefit.solar): your name, phone number, email address, ZIP code, install location (home or business), and (optionally) your approximate monthly electric bill.
• Any free-text notes you choose to add.

We deliberately keep our lead forms minimal. We do not ask for Social Security numbers or detailed medical history at the quote-request stage. A licensed advisor may collect additional information later, directly from you, as part of preparing an actual application.

Information collected automatically

When you submit a form, our intake service records, on our own servers, the IP address the request came from and your browser's user-agent string (browser type, device, and operating system). We use these for security, spam prevention, and to evidence the context of your submission.

We do not use third-party web-analytics services (such as Google Analytics), and we do not use advertising or remarketing pixels or cookies on these sites. The group-health site (youbenefit.us) loads the "Inter" web font from Google Fonts; to deliver that font, Google may receive your IP address and basic request information. The solar site (youbenefit.solar) does not load third-party web fonts. We do not send your form entries to any font provider.

Information from other sources

We do not buy personal information about you from data brokers, and we do not enrich your submission with outside data. We may receive limited operational information from the service providers that help us run our sites (for example, hosting and security vendors).

3. Categories of Personal Information (California statutory categories)

For California residents, the categories of personal information we have collected in the past 12 months map to the following statutory categories:

• Identifiers — name, email address, phone number (solar only), IP address, ZIP code.
• California customer-records information (Cal. Civ. Code §1798.80) — name and contact details you provide.
• Commercial / inquiry information — the type of insurance or solar service you are interested in, your company-size range, and (optionally) your monthly electric bill.
• Internet or other electronic network activity — your user-agent string captured when you submit a form.
• Geolocation data — approximate location derived from your IP address or ZIP code (not precise GPS).
• Sensitive personal information — generally not collected by our forms, but a free-text note could contain it (see Sensitive Personal Information).

We do not generate behavioral profiles or marketing inferences about you. Routing your request to the right carriers, advisors, or installers is based on simple, deterministic factors such as your ZIP code, state, and the product you asked about — not on derived inferences. We do not intentionally collect the other statutory categories (such as biometric data, precise geolocation, professional/education records, or audio/visual recordings) through our forms.

4. Sensitive Personal Information

Our standard lead forms are designed to avoid collecting sensitive personal information (such as Social Security numbers, financial account numbers, or detailed health/medical information) at the quote-request stage.

If you choose to add health-related details in a free-text field, or if you later work with an advisor on a group-health application, that information may qualify as sensitive personal information or as health information under insurance privacy rules. Where that happens:

• We use and disclose it only to provide and support the products and services you requested (for example, to obtain a quote or process an application);
• We treat health information as requiring your affirmative authorization (opt-in) before disclosing it for purposes that are not part of fulfilling your request, consistent with the NAIC insurance privacy regulations the states we serve apply; and
• You may exercise the right to limit the use and disclosure of sensitive personal information as described in Your Privacy Choices and Rights.

Because our standard use of any sensitive personal information is limited to providing the services you requested, we do not use it to infer characteristics about you for other purposes.

5. How We Use Your Information

We use personal information to:

• respond to your inquiry and prepare insurance or solar quotes;
• connect you with licensed insurance carriers, agents, advisors, and (for solar) installers who can quote and serve you;
• contact you by phone, text, or email about the products you asked about, subject to the consent rules in the Calls and Text Messages section;
• operate, secure, and improve our websites;
• detect, prevent, and investigate fraud and abuse; and
• comply with legal, regulatory, and licensing obligations.

We use your information only for the purposes described here or for purposes reasonably compatible with them, and we keep our collection limited to what is reasonably necessary for those purposes.

6. How We Share Your Information — and What "Submitting a Request" Means

This is a quote/lead service. When you submit a quote or contact request, you are asking us — and authorizing us — to share the information in that request, including your name, phone number, and email, with licensed insurance carriers, agents, advisors, and (for solar) installers so that they can prepare quotes and contact you about the products you requested. This consumer-directed sharing is a core part of how we deliver the service you came to us for.

We want to be clear and honest about the difference between two things:

• Sharing to fulfill your request — Passing your information to the carriers, advisors, or installers needed to prepare the quotes you asked for is sharing you have directed and authorized. It is how the service works, not a sale of your data to strangers for profit.
• What California law nonetheless calls a "sale" or "share" — Under the California Consumer Privacy Act (as amended by the CPRA), disclosing personal information to a third party for monetary or other valuable consideration can be a "sale," even when you asked us to send it. Because some of these transfers may be characterized that way, we treat our routing of leads to carriers, advisors, and installers as a "sale"/"share" for CCPA purposes and give you the opt-out choices described below. We do not claim "we never sell or share your information."

Categories of recipients

We may disclose the categories of personal information described in Section 3 to the following categories of recipients:

• Licensed insurance carriers and underwriters — to prepare quotes and offers.
• Licensed insurance agents, advisors, and brokers — including our own advisors and partner advisors.
• Solar installers and solar advisors (youbenefit.solar) — who compete to quote your project and who will contact you about it.
• Service providers and processors acting on our behalf under contract — for example, website hosting, our lead-database provider, and security/anti-fraud vendors.
• Our affiliated brand and sister site — information may be handled across youbenefit.us, youbenefit.solar, and applycoverage.com where relevant to your request, because these are operated under common ownership.
• Legal and regulatory recipients — where required by law, subpoena, or to protect rights and safety.

Service providers vs. independent recipients

Where a recipient acts only on our behalf and is bound by contract to use the information solely to provide services to us (and not for its own purposes), we treat it as a service provider/processor, not a "sale" or "share." Carriers, advisors, and installers who receive your request to quote you are independent recipients, and we treat those transfers as a "sale"/"share" as explained above. We require contractual privacy and purpose-limitation terms with our service providers.

What we do not do

• We do not use the "fulfilling your request" rationale as a license to distribute your information to unrelated marketers, additional agencies you did not ask for, or data brokers beyond what is needed to serve your request.
• We do not sell your information to parties unrelated to the quote you requested, and we do not share your text-messaging (SMS) consent with carriers, advisors, installers, or affiliates for their own marketing. Note that your phone number itself is shared with the carriers, advisors, and installers you asked to quote you, so that they can contact you about your request — see the Calls and Text Messages section.

7. GLBA Privacy Notice (Insurance Producer)

As a licensed insurance brokerage, You Benefit Insurance Services is a "financial institution" under the federal Gramm-Leach-Bliley Act (GLBA). This section is our GLBA privacy notice.

Nonpublic personal information (NPI) means personally identifiable financial and insurance information you give us to obtain a product or service (such as your name, contact details, the coverage you are seeking, and any application or underwriting information), and information derived from it. It does not include publicly available information.

How we share NPI:

• We disclose NPI to nonaffiliated third parties — primarily insurance carriers, underwriters, advisors, and installers — to effect, administer, or process the transaction you request or authorize (your quote or application). Under GLBA, this consumer-directed sharing does not require an opt-out, because it is necessary to provide the service you asked for.
• We may disclose NPI to service providers under confidentiality agreements, and as otherwise permitted by law.

Your GLBA opt-out: To the extent we would ever disclose your NPI to a nonaffiliated third party for a purpose that is not covered by a GLBA exception and not part of fulfilling your request (for example, that party's own marketing), you have the right to opt out of that disclosure first. You can exercise this opt-out using any of the contact methods in How to Contact Us.

California and health information: For residents of California, and for any health-related information, we apply a stricter standard: we will obtain your affirmative consent (opt-in) before disclosing your personal or health information to a nonaffiliated third party for purposes outside the exceptions above, consistent with California's insurance privacy law and the NAIC model insurance privacy regulations applied in the states we serve.

Safeguards: We maintain administrative, technical, and physical safeguards designed to protect NPI, as described in Security.

A note on HIPAA: As a standalone insurance brokerage, we are generally not a "covered entity" or "business associate" under HIPAA, and we do not claim to be "HIPAA-compliant." Health information you provide for insurance purposes is governed by GLBA and the insurance privacy rules described above. If we ever act as a business associate of a group health plan, we will handle protected health information under the applicable agreement and law.

8. Calls and Text Messages (TCPA)

How contact consent works depends on which form you use:

• Group health (youbenefit.us): the quote form includes a consent statement under which you agree that we may contact you by phone, text, or email about insurance and benefits, including by automated technology, at the contact information you provide. The form states that consent is not a condition of purchase.
• Solar (youbenefit.solar): by submitting the form you agree to be contacted about your solar quotes at the phone number and email you provide.

If we contact you by text message, the following terms apply:

• Message types. We send messages about your insurance or solar quote request, advisor follow-ups, appointment coordination, and related service updates.
• Message frequency. Message frequency varies based on your activity, and is heaviest around the time of an active quote.
• Rates. Message and data rates may apply. Check with your mobile carrier.
• Opting out and getting help. Reply STOP (or UNSUBSCRIBE, CANCEL, QUIT, END, or OPT OUT) at any time to stop messages. Reply HELP for help and opt-out instructions.
• Revoking consent. You may revoke consent to calls or texts by any reasonable method — replying STOP, telling us by phone, or emailing us — and we will honor your request within a reasonable time, not to exceed 10 business days.
• Your mobile/SMS consent is kept private. We do not share or sell your SMS/text-messaging consent with carriers, advisors, installers, or affiliates for their own marketing. (This is separate from the sharing of your phone number described in Section 6: we share your number with the carriers, advisors, and installers you asked to quote you so they can contact you about your request, but we do not hand your texting consent to them for their own marketing.)
• Calling hours. We restrict marketing calls and texts to the hours permitted under applicable federal and state law in the states we serve.

For full text-program terms, contact us using the information in How to Contact Us.

9. Cookies, Web Fonts, and Tracking

These sites are static and lightweight. We do not use third-party web-analytics services (such as Google Analytics), and we do not use advertising, remarketing, or cross-context behavioral-advertising cookies, pixels, tags, or beacons.

The only information we collect automatically is the IP address and user-agent captured by our intake service when you submit a form, as described in The Information We Collect.

Web fonts. The group-health site (youbenefit.us) loads the "Inter" font from Google Fonts, which means Google may receive your IP address and basic request information in order to deliver the font. The solar site (youbenefit.solar) does not load third-party web fonts.

Browser signals. See Do Not Track and Global Privacy Control below for how we treat browser privacy signals.

10. Your Privacy Choices and Rights

Depending on where you live, you may have some or all of the following rights. We honor these rights for residents of states whose laws provide them, and we extend the core choices below to all of our visitors.

Choices available to everyone

• Do Not Sell or Share My Personal Information — opt out of the sale or sharing of your personal information. Because we treat routing your lead to carriers, advisors, and installers as a "sale"/"share," you may direct us to stop sharing your information for new quotes. Contact us using the methods below.
• Limit the Use of My Sensitive Personal Information — direct us to limit our use and disclosure of any sensitive personal information to what is necessary to provide the services you requested.

Rights for residents of states with comprehensive privacy laws

Residents of states with comprehensive consumer-privacy laws — which, among the states we serve, currently include California, Colorado, Texas, and Tennessee — may have some or all of the following rights (the exact rights and timelines depend on your state's law):

• Right to know / access — the categories and specific pieces of personal information we have collected about you, the sources, the purposes, and the categories of recipients.
• Right to delete — request deletion of personal information we hold about you, subject to legal exceptions (for example, records we must keep to prove consent or to comply with law).
• Right to correct — request correction of inaccurate personal information.
• Right to opt out of the sale or sharing of personal information and of targeted advertising.
• Right to limit the use and disclosure of sensitive personal information.
• Right to opt out of profiling that produces legal or similarly significant effects, where applicable.
• Right to non-discrimination and non-retaliation — we will not deny you service, charge you a different price, or provide a different quality of service because you exercised your privacy rights.
• Right to appeal — if we deny your request, residents of states that provide an appeal right may appeal by replying to our decision or contacting us; we will respond within the time your state's law allows.

California "Shine the Light"

California residents may request information about our disclosure of certain personal information to third parties for those parties' direct-marketing purposes. As explained above, we do not disclose your information to third parties for their own direct-marketing purposes beyond the consumer-directed routing of your quote request.

How to submit a request

You may submit a privacy request by:

1. Email: info@youbenefitca.com (write "Privacy Request" in the subject line), or
2. Phone: (707) 659-6555, or
3. Mail: You Benefit — Privacy, 755 Baywood Drive, 2nd Floor, Petaluma, CA 94954.

You do not need to create an account to make a request.

How we handle requests

• For California requests, we will acknowledge your request within 10 business days and respond substantively within 45 days, with one additional 45-day extension where reasonably necessary and permitted, and we will tell you if we need it. Other states' acknowledgment, response, and appeal timelines vary, and we apply the period required by your state's law.
• We must verify your identity before fulfilling a request to know, delete, or correct. We may ask you to confirm information we already have on file. We will not use information you provide for verification for any other purpose.
• We generally do not charge a fee, unless a request is manifestly unfounded or excessive, in which case we will tell you why.
• Authorized agents may submit requests on your behalf. We may require the agent to provide proof of your written permission (or a valid power of attorney) and may ask you to verify your identity directly.

11. Do Not Track and Global Privacy Control

Some browsers offer a "Do Not Track" (DNT) signal. There is no common industry standard for DNT, so we do not currently respond to DNT signals. Because our sites do not use advertising cookies or trackers, there is generally nothing on the site for a browser-based opt-out signal such as the Global Privacy Control (GPC) to suppress. If you send a GPC or similar opt-out preference signal, we will treat it as a request to opt you out of the sale or sharing of your personal information, and you may also opt out at any time using the contact methods above.

12. Data Retention

We keep personal information only as long as reasonably necessary for the purposes described in this policy, and then delete or de-identify it. Our general retention approach:

• Lead and quote-request records (including the information you submit, your IP address, and your user-agent): retained for approximately 5 years after collection or your last interaction, in part to demonstrate consent under telemarketing/texting laws, and then deleted or de-identified.
• Records we must keep for legal, tax, regulatory, or insurance-licensing reasons: retained for the period required by the applicable law.

Where a fixed period is not practical, we determine retention based on the purpose for which the information was collected, our relationship with you, and our legal and regulatory obligations.

13. Security

We protect personal information using technical and organizational safeguards appropriate to a small insurance and solar agency. In particular, information you submit through our forms is sent over an encrypted (HTTPS) connection to our own intake service, and the database credentials used to store your information are kept server-side and are never exposed in your browser. We limit who can access lead data.

No method of transmission or storage is completely secure, and we cannot guarantee absolute security. If a security incident affecting your personal information occurs, we will notify you and the appropriate authorities as required by applicable law.

14. Children's Privacy

Our sites are intended for adults and for business and insurance/solar-shopping purposes. They are not directed to children, our forms are not designed for or marketed to minors, and we do not knowingly collect personal information from anyone under 16 (and specifically not from children under 13, consistent with the federal Children's Online Privacy Protection Act).

Because our forms do not ask for age, we cannot always tell whether a submitter is a minor. We do not knowingly sell or share the personal information of consumers under 16, and if you believe a child has provided us personal information, please contact us using the information below and we will delete it.

15. Out-of-State Processing and Links to Other Sites

Where your information is processed. Our services are intended for residents of the United States. Your information is processed and stored in the United States, and our service providers may access or process it from other locations. If you access our sites from outside the United States, you do so on your own initiative.

Links to other sites. Our sites may link to other websites and partners, including our affiliated brand sites youbenefit.us, youbenefit.solar, and applycoverage.com, as well as carrier, advisor, and installer sites. Where we share information across our affiliated brands, this policy and the choices it provides apply as described in Section 6. We are not responsible for the privacy practices or content of websites we do not control. Please review the privacy policies of any third-party site you visit.

16. How to Contact Us

For privacy questions, requests, or complaints:

You Benefit — Privacy 755 Baywood Drive, 2nd Floor, Petaluma, CA 94954 Phone: (707) 659-6555 (insurance) · (707) 789-5000 (solar) Email: info@youbenefitca.com

You also have the right to contact your state Attorney General or, for certain matters, the Federal Trade Commission if you have a complaint about our privacy practices. Use of our sites is also governed by our separate Terms of Use.

This policy is available in accessible HTML on our websites and is linked from the footer of every page. If you need this policy in an alternative format, contact us using the information above.

17. Changes to This Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date above and provide notice through our websites. We review this policy at least every 12 months. Your continued use of our sites after an update means you accept the updated policy.

This Privacy Policy is provided for general information only and does not constitute legal advice. It should be reviewed by qualified legal counsel for your specific situation before it is relied upon or published.