Privacy Policy

1. Who We Are

BK Benefits Consultants is a Missouri-licensed insurance entity producer (License #3004163368 · NPN 21307422). We operate the Site as a marketing brand. We do not directly hold appointments with insurance carriers and do not place insurance policies through this entity. Instead, when you submit an inquiry, your inquiry is reviewed by an individually licensed insurance producer who is appointed with carriers through their contracted agency. Our principal producer is appointed with carriers through Compass Health Consultants. If your inquiry falls outside our principal producer’s licensing, expertise, or available capacity, we may instead direct your inquiry to another licensed insurance producer who we have verified is licensed in your state for the product you have requested.

2. Information We Collect

Information you give us

When you complete a contact form on the Site, we collect the information you submit, which may include your name, email address, phone number, ZIP code, coverage interest, household information, and any notes or questions you choose to share.

Information collected automatically

When you visit the Site, we automatically collect technical information about your visit, including IP address, device and browser type, referring page, pages viewed, marketing campaign attribution (UTM parameters), and time-stamps. We use cookies and similar technologies (described in Section 6) to support these functions.

Information from third parties

When you request a quote through the Site, the licensed insurance producer assigned to your inquiry may receive underwriting and eligibility information from insurance carriers in response, and may share that information with us as part of the response to you. We may also receive your contact information from third-party marketing partners who represent that you have provided valid consent to be contacted by us about insurance products.

3. How We Use Your Information

We use the information we collect to:

• respond to your inquiry and direct it to a licensed insurance producer who can develop and present coverage options to you (as described in Section 1);
• contact you and market our own products and services to you across the channels you have consented to — including by phone, text message, email, and postal mail — about insurance products, quotes, renewals, educational content, and other communications we believe may be of interest to you, even if you do not become a customer;
• operate, maintain, secure, analyze, and improve the Site and our marketing;
• measure the effectiveness of our advertising;
• comply with applicable legal, regulatory, and record-keeping obligations.

4. How We Share Your Information

We share your information only as described below.

Insurance carriers

When you ask for a quote or request that an application be submitted, we provide your information to the relevant insurance carrier(s) to develop quotes and process the application.

Licensed insurance producers

We share your contact information with one licensed insurance producer to assist with your inquiry. By default that producer is our principal licensed producer. If your inquiry falls outside our principal producer’s licensed states, product expertise, or available capacity, we may instead share your information with another licensed insurance producer who we have verified is licensed in your state for the product you have requested. The receiving producer may contact you directly.

Service providers

We share information with vendors that perform services on our behalf, such as web hosting, analytics, CRM, email and SMS delivery, and advertising measurement. These vendors are bound by confidentiality and data-use obligations and may use your information only as needed to provide their services to us.

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 violations of our terms, or in connection with a merger, acquisition, financing, or sale of all or part of our business.

What we do not do

We do not sell, rent, or hand off our marketing contact list to third parties for them to use directly. From time to time we may include sponsored content from a partner inside marketing communications that we send. In those cases, BK Benefits Consultants always sends the message, controls the content, and never transfers the underlying contact list to the partner.

5. Your Choices

• Email. Every marketing email we send includes an unsubscribe link. You can opt out of marketing email at any time.
• SMS. Reply STOP to any text message from us to opt out. Reply HELP for help. Message and data rates may apply.
• Phone. You can ask us to add you to our internal Do Not Call list by emailing brett@bkbenefits.co.
• Withdrawing consent. You can withdraw consent for further contact at any time by contacting us using the information in Section 11.
• Cookies. Use the “Your Privacy Choices” link in the footer to manage analytics and advertising cookies on this Site. Most browsers also let you block, delete, or get notified about cookies entirely. See Section 6 for full detail.

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 and the bk_geo cookie that remembers the country/region we used to choose which cookie notice to show you. 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. Google Ads measurement using the same Google Analytics 4 tag. Lets us measure campaign performance and helps us understand which marketing channels send qualified visitors. We do not currently run a separate Google Ads pixel; conversion measurement and any audiences are linked from Analytics. Sets cookies such as _gcl_*.
• 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 present a cookie notice. The notice you see depends on where you appear to be visiting from:

• Visitors in the European Economic Area, the UK, Switzerland, Brazil, or Quebec see a blocking notice that asks for opt-in consent before any analytics or advertising cookies are set. You can Accept All, Reject All, or Customize your choices at the same level. Until you make a choice, only strictly necessary cookies are active.
• Visitors elsewhere (including the United States) see a notice informing you that the Site uses cookies for analytics and advertising measurement. You can manage your choices anytime through the “Your Privacy Choices” link in the footer of every page, which opens a preferences panel where you can turn analytics and advertising cookies on or off independently. Strictly necessary cookies remain on either way.
• If we cannot determine your location, we default to the stricter opt-in notice.

Geographic detection

To choose the appropriate cookie notice, we read your IP address (already collected as described in Section 2) and look it up against an IP-to-country service to estimate your country and, where relevant, your state or province. The result is used solely to choose which cookie notice to show you and is stored as a short-lived cookie so we don’t repeat the lookup on every page load. We do not associate your IP-derived country with any analytics or advertising profile we hold about you.

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 to open the cookie preferences panel and change your decision at any time. 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 retain your information for as long as we have an ongoing legitimate business need, including responding to your inquiry, marketing our products and services to you over time (whether or not you become a customer), complying with legal and regulatory obligations, resolving disputes, and enforcing our agreements. We typically retain inquiry-form contact information for seven (7) years from your last meaningful contact with us, after which we delete or anonymize it. You can ask us to delete your information sooner by contacting us; we will honor that request to the extent we are not required to retain the information by applicable law.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is 100% secure, however, and we cannot 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 children under 13. If you believe a child has provided us with personal information, please contact us so we can delete it.

10. State-Specific Rights

Residents of states with comprehensive consumer privacy laws may have additional rights with respect to their personal information, including the right to access, correct, or delete the information we hold and to opt out of certain types of processing. To exercise these rights, email brett@bkbenefits.co. We may need to verify your identity before fulfilling your request.

11. Updates & Contact

We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top of this page. Material changes will be communicated through additional means where required by law.

Questions about this Policy or our handling of your information? Contact us at brett@bkbenefits.co, or by mail at BK Benefits Consultants, St. Louis, MO.