Privacy Policy

1. Introduction

RainyDayPal provides benefit bundling services by negotiating with insurance providers on behalf of employers and employees. We are not an insurance company; instead, we act as a platform that helps employers and employees access bundled coverage. This Privacy Policy explains what information we collect, who it is collected from, how it is used, and the choices you have.

2. Information Collected

  • From employers
    • Company details (name, contact information, billing preferences)
    • Choices about how benefits are structured
    • Basic information about employees to initiate the self-enrollment process
    • Dependent information (name, date of birth, and other information required when processing claims and refund requests)
  • From employees
    • Personal details for enrollment (name, contact information, date of birth)
    • Employment information (number of hours, job title)
    • Selected coverage categories
  • From insurance providers
    • Policy details and coverage options
  • Automatically collected
    • Cookies are used to support core site functionality, such as keeping the user logged in, running analytics, and testing new features.

3. How We Use Information

The information we collect is used in two primary ways:

  • To register users under insurance policies
  • To track analytics and for testing new features
  • To comply with legal, regulatory, and contractual obligations.
  • To communicate with employers and employees about benefits or account activity.

4. Sharing Information

Information is shared with the following:

  • Insurance companies - Information required for policy setup.
  • Employers - Employee enrollment details, cost-sharing choices.
  • Service Providers - Payment processors (Freshbooks).
  • Legal/Regulatory - If required by law, court order, or regulator.

5. Security Measures

  • Accounts for services that have access to personal information (AWS, Freshbooks) are all setup with multi-factor authentication.
  • Databases, for both data and documents, are backed up routinely.
  • We take reasonable steps to protect information, but no system is completely secure and we cannot guarantee absolute security.

6. User Choices & Rights

Users may request access, corrections, or deletion of information. Requests may be limited by insurance and employment regulations, meaning certain data must be retained.

7. Cookies & Tracking

Cookies are used to maintain logins across browser sessions within a window of time. Cookies may also be used for analytics. Users may adjust their browser settings to manage or reject cookies, but this may affect functionality like retaining login sessions.

8. Children’s Privacy

Our services are not offered directly to children. However, employees may be required to provide information about dependents, including children, when filing claims or reimbursement requests that pertain to them. Such information is only used to process claims and is not used for any other purpose.

9. Changes To This Policy

Any changes to the policy will be uploaded to the site, and all actively-enrolled employers and employees will be notified of such changes.

10. Contact Info

For questions about this Privacy Policy or your information, contact us at info@rainydaypal.com.