Privacy Policy

1. Who We Are

BK Benefits Consultants is a Missouri-licensed insurance entity producer, License #3004163368 · Ohio business entity agent, License #1770288 · NPN 21307422. bkbenefits.co is a marketing site we operate to connect you with a licensed insurance agent. Every request submitted on the Site goes to a licensed insurance agent named on our Agent List, who works it under their own license. That agent, not the Site and not BK Benefits Consultants, handles your application, any recommendations, and setting up the policy.

The Site has no user accounts, logins, or client portal, and we do not collect usernames, passwords, or other credentials through it.

2. Information We Collect

Information you give us

When you complete the request form we collect what you enter: your name, email address, phone number, general location (such as your ZIP code or state), and, where the form asks, the kind of coverage you’re interested in, who needs it and, for group coverage, how many people it covers. The form has no free-text field, and we ask that you not send us health or medical information. If an agent needs health details later, they’ll collect them directly through channels appropriate for that information. If the platform where you submit a request also offers to start a message conversation with us (for example, Messenger on Facebook) and you choose it, anything you share with us in that conversation is handled under this policy as part of your request. Please don’t send health or medical information there either.

Information collected automatically

When you visit the Site we collect technical information about your visit: IP address, device and browser type, referring page, the address of the page you arrived on, campaign attribution (UTM parameters), Google’s ad-click identifiers (gclid, gbraid or wbraid) when you arrive from a Google ad, Meta’s click identifier (fbclid) when you arrive from a link in a Meta app such as Facebook or Instagram, Google Analytics 4 client and session identifiers, and timestamps. Section 6 describes the cookies involved.

What we do not collect

We hold your contact information only because you gave it to us — on this Site, or in a request form on our Facebook or Instagram page or inside one of our ads on Google, Facebook or Instagram, which that platform sends to us when you submit it. We do not buy, rent, or receive contact information from lead generators, aggregators, or list brokers.

3. How We Use Your Information

We use the information we collect to:

• send your request to a licensed insurance agent on our Agent List so they can contact you about coverage;
• contact you ourselves, on the channels you consented to, about insurance and related products, including renewal and open-enrollment reminders, whether or not you become a customer;
• create and keep records of the consents you give us (Section 7);
• operate, secure, analyze, and improve the Site and our marketing, including measuring whether our ads lead to requests (Section 6);
• comply with legal, regulatory, and record-keeping obligations.

4. How We Share Your Information

Licensed insurance agents

Connecting you with an agent is the service, so every request goes to one licensed insurance agent named on our Agent List, whom we’ve verified is licensed in your state for the coverage you asked about. Your request goes to one agent, not several. That agent may contact you by phone, text, and email and may pay us a fee for your request, whether or not you buy anything. They may use your information only to offer you the insurance you asked about; they may not sell it, pass it on, or disclose it to anyone else except as needed to set up coverage you ask for; and they must keep their own do-not-call list and honor a request to stop within ten (10) business days. If that agent doesn’t reach out promptly, we may send your request to a different agent on the list instead, and the first agent may no longer contact you.

For a request made on this Site, you authorize this sharing on the request form, by a checkbox that is not pre-checked. You can withdraw the authorization at any time through Your Privacy Choices, by emailing team@bkbenefits.co, or by any other reasonable means, and we check for a withdrawal before every transfer. Withdrawing stops the sharing. It does not erase what you already sent us, and BK Benefits Consultants may still contact you about insurance unless you ask us to stop, which is a separate choice (Section 5).

Insurance companies

When you ask an agent for a quote or to submit an application, the agent provides your information to the insurance company at your direction.

Service providers

Vendors that work on our behalf: web and database hosting, analytics and advertising measurement (Google), error monitoring (Sentry), and transactional email delivery (Resend). They may use your information only to provide their services to us. We also send Meta the limited advertising-measurement information described in Section 6; Meta’s own terms govern its use, and they let Meta use it for its own purposes too, including choosing the ads it shows people.

Legal and business transfers

We may disclose information when required by law, in response to valid legal process, to protect our rights, to investigate fraud or misuse, or in connection with a merger, acquisition, financing, or sale of all or part of our business.

Sponsored content in our emails

We may include an advertiser’s sponsored content inside marketing emails we send, and we may be paid for it. We always send the message and control what it says. The advertiser never receives our contact list or anything identifying you individually, including whether you opened or clicked; they get aggregate totals only. Sponsored content is labeled as advertising.

What we do not do

We do not hand our contact list, or any part of it, to a third party to use directly. We do not use your information to build advertising audiences or provide it to ad platforms for that purpose (Section 6). We do not ask health questions and do not infer, score, or route your request based on any guess about your health. We do not sell or share the personal information of anyone we know to be under 16.

5. Your Choices

• Stop the sharing. Withdraw your transfer authorization at any time through Your Privacy Choices or by any other reasonable means. It covers information we already hold and anything you send later.
• Stop our calls, texts, and emails. Reply STOP to any text (reply HELP for help; message and data rates may apply). Use the unsubscribe link in any marketing email. Tell us on a call, or email team@bkbenefits.co. Any reasonable means works; we honor revocations within ten (10) business days. See our Do Not Call Policy.
• Cookies. Use “Your Privacy Choices” in the footer to manage analytics and advertising cookies. Most browsers also let you block or delete cookies.
• Global Privacy Control. We honor the GPC browser signal as an opt-out of advertising measurement (Section 6).

6. Cookies, Analytics & Advertising

The Site uses cookies and similar technologies for three purposes: (a) to make the Site work and remember choices you’ve made (including your cookie preferences), (b) to understand how visitors find and use the Site, and (c) to measure the effectiveness of our marketing.

Categories we use

• Strictly necessary. Required for the Site to function — for example, the bk_consent cookie that remembers your cookie choices. Always active; cannot be turned off.
• Analytics. Google Analytics 4. Helps us understand how visitors find and use the Site so we can improve content and the contact-form flow. Sets cookies such as _ga and _ga_*.
• Advertising measurement. Google Ads conversion measurement using the same Google Analytics 4 tag. Lets us measure whether our ads lead to inquiries and which marketing channels send qualified visitors. We do not currently run a separate Google Ads pixel. Google’s ads personalization is disabled for this Site: we do not build remarketing lists or personalized-advertising audiences from your visits, and we do not let Google use any visit to this Site to target you with personalized ads elsewhere. That is a deliberate policy choice for a website about health and life coverage, not a technical limitation. Sets cookies such as _gcl_*.
• Meta advertising measurement. We do not place Meta’s pixel, scripts or cookies on this Site. When you arrive from a link in a Meta app such as Facebook or Instagram, including one of our ads, and submit a request, our server tells Meta that your visit led to a request, sending only the click identifier Meta added to the link, your device and browser type, our site’s address, the time, a reference number of our own and the same fixed value for every request — not your name, email, phone number or anything you typed. We later tell Meta when a request you submitted in a form on our Facebook or Instagram page or inside one of our ads reached us, and whether you were reached or quoted, or became a customer — never what coverage, never any health information. Those reports are matched to you only by that click identifier or, for a request submitted in one of those forms, by Meta’s own number for it, and carry the time and a reference number of our own. Meta uses this to measure and deliver our ads, and its own terms let it use what we send for its own purposes too, including the ads it shows you. If advertising measurement is off in Cookie settings, or your browser sends a Global Privacy Control signal, when you submit a request on this Site, we tell Meta nothing about your visit or that request.
• Web fonts. The Site loads its typefaces from Google Fonts. This sets no cookies and stores nothing on your device, but requesting a font from Google discloses your IP address and basic browser information to Google, as any request to any third-party server does. It happens on every page and is not covered by your cookie choices, because it is how the page is drawn rather than a tracking technology.
• Cookieless analytics. Ahrefs Web Analytics. A privacy-friendly analytics tool that measures page views and traffic sources without setting cookies or collecting personal identifiers. Because it does not store data on your device or use cross-site tracking, it loads on every visit regardless of your cookie choices.

How we ask for your consent

When you first visit the Site, we show every visitor the same cookie notice: a strip at the bottom of the page telling you the Site uses cookies for analytics and advertising measurement, with a “Cookie settings” button and an “OK” button. It does not block the page, and pressing OK dismisses it without granting anything — it records that you have seen the notice and leaves your cookie state exactly as it already was. To change that state, use “Cookie settings,” or the “Your Privacy Choices” link in the footer of every page.

What that state is depends on where you are visiting from, and it is applied by Google’s own regional matching rather than by anything we detect:

• Visitors in the European Economic Area, the UK, Switzerland, Brazil, or Quebec. Analytics and advertising-measurement storage are denied by default and stay denied unless you turn them on yourself in Cookie settings. Only strictly necessary cookies are active in the meantime, and dismissing the notice does not change that.
• Visitors elsewhere, including the United States. Analytics and advertising-measurement cookies are active by default under a notice model. You can turn them off at any time in Cookie settings; strictly necessary cookies remain on either way.

Global Privacy Control (GPC)

If your browser sends a Global Privacy Control signal, we treat it as an opt-out of advertising cookies regardless of your location. Analytics cookies remain active in that case unless you also turn them off via “Your Privacy Choices”.

How to change your cookie choices

Use the “Your Privacy Choices” link in the footer of any page on the Site — it takes you to our Your Privacy Choices page, where you can change your cookie decision and also withdraw your authorization to share your inquiry with a licensed producer. The “Cookie settings” button on the cookie notice opens the same cookie preferences panel directly. You can also delete the bk_consent cookie through your browser’s privacy settings, in which case we will ask you again on your next visit. Most browsers also let you block or delete all cookies entirely.

Audit record

When you make a cookie choice, we record the choice itself, the time, the IP address and browser the choice came from, the version of this Privacy Policy and the cookie notice that was current at the time, and the verbatim notice copy you saw. We keep this record so we can demonstrate compliance with applicable privacy laws.

7. Data Retention

We keep your information as long as we have an ongoing business need: responding to your request, marketing to you over time, meeting legal and regulatory obligations, resolving disputes, and enforcing our agreements. We typically retain request-form contact information for seven (7) years from your last meaningful contact with us, then delete or anonymize it. You can ask us to delete it sooner; we’ll honor that except where we’re required to keep it.

Consent records. When you give consent on the form we record the timestamp, your IP address and browser, the page, the version of the Agent List in effect, and the exact version of the consent text you agreed to. We keep consent records for at least five (5) years.

8. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your information. No method of transmission or storage is completely secure, and we can’t guarantee absolute security.

9. Children’s Privacy

The Site is not directed to children under 13 and we do not knowingly collect personal information from them. If you believe a child has given us personal information, contact us and we’ll delete it.

10. Your Rights

We extend these to everyone who contacts us, wherever you live:

• Know and access. Ask what we hold about you, where it came from, why, and who we’ve shared it with.
• Correct. Ask us to fix something that’s wrong.
• Delete. Ask us to delete what we hold, subject to records we’re required to keep (consent records in particular). If an exception applies, we’ll tell you which.
• Withdraw your transfer authorization at any time through Your Privacy Choices.
• Opt out of contact by any reasonable means (Section 5).
• No retaliation. We won’t deny you service or treat you differently for exercising any of these.
• Appeal. If we decline a request, we’ll say why, and you can appeal by replying. We answer appeals within forty-five (45) days in writing.

To exercise any of these, use Your Privacy Choices or email team@bkbenefits.co. We may need to verify your identity and will ask only for what that requires. We respond within thirty (30) business days and will tell you if we need longer. There’s no charge.

Missouri residents. We are a Missouri-licensed insurance entity producer, License #3004163368 · Ohio business entity agent, License #1770288 · NPN 21307422, and our handling of your information is governed by Missouri’s insurance privacy rules. Those rules let us disclose your information to an agent who is not affiliated with us where you have authorized it and have not withdrawn that authorization. That is what the checkbox on the request form and Your Privacy Choices are for: you tell us yes in advance, in writing, and you can take it back at any time.

11. Updates & Contact

We may update this Privacy Policy. When we do, we’ll change the “Last updated” date above and, where the law requires, tell you by other means.

Questions: team@bkbenefits.co, (636) 265-6509, or BK Benefits Consultants LLC, 3324 Rue Royale St. #1406, St. Charles, MO 63301.