Privacy Policy
Healthcare Benefits Consult LLC (D/B/A Healthsure3x.com) values its users' privacy.
This Privacy Policy ("Policy") will help you understand how we collect and use personal information from those who visit our website or make use of our online facilities and services, and what we will and will not do with the information we collect. Our Policy has been designed and created to ensure those affiliated with Healthcare Benefits Consult LLC of our commitment and realization of our obligation not only to meet, but to exceed, most existing privacy standards.
We reserve the right to make changes to this Policy at any given time. If you want to make sure that you are up to date with the latest changes, we advise you to frequently visit this page. If at any point in time Healthcare Benefits Consult LLC decides to make use of any personally identifiable information on file, in a manner vastly different from that which was stated when this information was initially collected, the user or users shall be promptly notified by email. Users at that time shall have the option as to whether to permit the use of their information in this separate manner.
This Policy applies to Healthcare Benefits Consult LLC, and it governs any and all data collection and usage by us. Through the use of https://www.healthsure3x.com, you are therefore consenting to the data collection procedures expressed in this Policy.
Please note that this Policy does not govern the collection and use of information by companies that Healthcare Benefits Consult LLC does not control, nor by individuals not employed or managed by us. If you visit a website that we mention or link to, be sure to review its privacy policy before providing the site with information. It is highly recommended and suggested that you review the privacy policies and statements of any website you choose to use or frequent to better understand the way in which websites garner, make use of and share the information collected.
Specifically, this Policy will inform you of the following
1. What personally identifiable information is collected from you through our website;
2. Why we collect personally identifiable information and the legal basis for such collection;
3. How we use the collected information and with whom it may be shared;
4. What choices are available to you regarding the use of your data; and
5. The security procedures in place to protect the misuse of your information.
Information We Collect
It is always up to you whether to disclose personally identifiable information to us, although if you elect not to do so, we reserve the right not to register you as a user or provide you with any products or services. This website collects various types of information, such as:
Voluntarily provided information which may include your name, address, email address, billing and/or credit card information etc. which may be used when you purchase products and/or services and to deliver the services you have requested
Information automatically collected when visiting our website, which may include cookies, third party tracking technologies and server logs.
In addition, Healthcare Benefits Consult LLC may have the occasion to collect non-personal anonymous demographic information, such as age, gender, household income, political affiliation, race and religion, as well as the type of browser you are using, IP address, or type of operating system, which will assist us in providing and maintaining superior quality service.
Healthcare Benefits Consult LLC may also deem it necessary, from time to time, to follow websites that our users may frequent to gleam what types of services and products may be the most popular to customers or the general public.
Please rest assured that this site will only collect personal information that you knowingly and willingly provide to us by way of surveys, completed membership forms, and emails. It is the intent of this site to use personal information only for the purpose for which it was requested, and any additional uses specifically provided for on this Policy.
Why We Collect Information and For How Long
We are collecting your data for several reasons:
● To better understand your needs and provide you with the services you have requested;
● To fulfill our legitimate interest in improving our services and products;
● To send you promotional emails containing information we think you may like when we have your consent to do so;
● To contact you to fill out surveys or participate in other types of market research, when we have your consent to do so;
● To customize our website according to your online behavior and personal preferences.
The data we collect from you will be stored for no longer than necessary. The length of time we retain said information will be determined based upon the following criteria: the length of time your personal information remains relevant; the length of time it is reasonable to keep records to demonstrate that we have fulfilled our duties and obligations; any limitation periods within which claims might be made; any retention periods prescribed by law or recommended by regulators, professional bodies or associations; the type of contract we have with you, the existence of your consent, and our legitimate interest in keeping such information as stated in this Policy.
Use of Information Collected
Healthcare Benefits Consult LLC does not now, nor will it in the future, sell, rent or lease any of its customer lists and/or names to any third parties.
Healthcare Benefits Consult LLC may collect and may make use of personal information to assist in the operation of our website and to ensure delivery of the services you need and request. At times, we may find it necessary to use personally identifiable information as a means to keep you informed of other possible products and/or services that may be available to you from https://www.healthsure3x.com
Healthcare Benefits Consult LLC may also be in contact with you with regards to completing surveys and/or research questionnaires related to your opinion of current or potential future services that may be offered.
Disclosure of Information
Healthcare Benefits Consult LLC may not use or disclose the information provided by you except under the following circumstances:
- as necessary to provide services or products you have ordered;
- in other ways described in this Policy or to which you have otherwise consented;
- in the aggregate with other information in such a way so that your identity cannot reasonably be determined;
- as required by law, or in response to a subpoena or search warrant;
- to outside auditors who have agreed to keep the information confidential;
- as necessary to enforce the Terms of Service;
- as necessary to maintain, safeguard and preserve all the rights and property of Healthcare Benefits Consult LLC.
Non-Marketing Purposes
Healthcare Benefits Consult LLC greatly respects your privacy. We do maintain and reserve the right to contact you if needed for non-marketing purposes (such as bug alerts, security breaches, account issues, and/or changes in Healthcare Benefits Consult LLC products and services). In certain circumstances, we may use our website, newspapers, or other public means to post a notice.
Children under the age of 13
Healthcare Benefits Consult LLC's website is not directed to, and does not knowingly collect personal identifiable information from, children under the age of thirteen (13). If it is determined that such information has been inadvertently collected on anyone under the age of thirteen (13), we shall immediately take the necessary steps to ensure that such information is deleted from our system's database, or in the alternative, that verifiable parental consent is obtained for the use and storage of such information. Anyone under the age of thirteen (13) must seek and obtain parent or guardian permission to use this website.
Unsubscribe or Opt-Out
All users and visitors to our website have the option to discontinue receiving communications from us by way of email or newsletters. To discontinue or unsubscribe from our website please send an email that you wish to unsubscribe to support@healthsure3x.com. If you wish to unsubscribe or opt-out from any third-party websites, you must go to that specific website to unsubscribe or opt-out. Healthcare Benefits Consult LLC will continue to adhere to this Policy with respect to any personal information previously collected.
Links to Other Websites
Our website does contain links to affiliate and other websites. Healthcare Benefits Consult LLC does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of every website that collects personally identifiable information. This Privacy Policy Agreement applies only and solely to the information collected by our website.
Notice to European Union Users
Healthcare Benefits Consult LLC's operations are located primarily in the United States. If you provide information to us, the information will be transferred out of the European Union (EU) and sent to the United States. (The adequacy decision on the EU-US Privacy became operational on August 1, 2016. This framework protects the fundamental rights of anyone in the EU whose personal data is transferred to the United States for commercial purposes. It allows the free transfer of data to companies that are certified in the US under the Privacy Shield.) By providing personal information to us, you are consenting to its storage and use as described in this Policy.
Your Rights as a Data Subject
Under the regulations of the General Data Protection Regulation ("GDPR") of the EU you have certain rights as a Data Subject. These rights are as follows:
- The right to be informed: this means we must inform you of how we intend to use your personal data and we do this through the terms of this Policy.
- The right of access: this means you have the right to request access to the data we hold about you and we must respond to those requests within one month. You can do this by sending an email to info@healthsure3x.com.
- The right to rectification: this means that if you believe some of the date, we hold is incorrect, you have the right to have it corrected. You can do this by logging into your account with us, or by sending us an email with your request.
- The right to erasure: this means you can request that the information we hold be deleted, and we will comply unless we have a compelling reason not to, in which case you will be informed of same. You can do this by sending an email to info@healthsure3x.com.
- The right to restrict processing: this means you can change your communication preferences or opt-out of certain communications. You can do this by sending an email to support@healthsure3x.com.
- The right of data portability: this means you can obtain and use the data we hold for your own purposes without explanation. If you wish to request a copy of your information, contact us at info@healthsure3x.com.
- The right to object: this means you can file a formal objection with us regarding our use of your information with regard to third parties, or its processing where our legal basis is our legitimate interest in it. To do this, please send an email to info@healthsure3x.com.
In addition to the rights above, please rest assured that we will always aim to encrypt and anonymize your personal information whenever possible. We also have protocols in place in the unlikely event that we suffer a data breach and we will contact you if your personal information is ever at risk. For more details regarding our security protections see the section below or visit our website at https://www.healthsure3x.com.
Security
Healthcare Benefits Consult LLC takes precautions to protect your information. When you submit sensitive information via the website, your information is protected both online and offline. Wherever we collect sensitive information (e.g. credit card information), that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a lock icon in the address bar and looking for "https" at the beginning of the address of the webpage.
While we use encryption to protect sensitive information transmitted online, we also protect your information offline. Only employees who need the information to perform a specific job (for example, billing or customer service) are granted access to personally identifiable information. The computers and servers in which we store personally identifiable information are kept in a secure environment. This is all done to prevent any loss, misuse, unauthorized access, disclosure or modification of the user's personal information under our control.
The company also uses Secure Socket Layer (SSL) for authentication and private communications to build users' trust and confidence in the internet and website use by providing simple and secure access and communication of credit card and personal information. In addition, Healthcare Benefits Consult LLC is a licensee of TRUSTe.
Acceptance of Terms
By using this website, you are hereby accepting the terms and conditions stipulated within the Privacy Policy Agreement. If you are not in agreement with our terms and conditions, then you should refrain from further use of our sites. In addition, your continued use of our website following the posting of any updates or changes to our terms and conditions shall mean that you agree and acceptance of such changes.
How to Contact Us
If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at the following email, telephone number or mailing address.
Email: info@healthsure3x.com
Telephone Number: 1 973-353-6206
Mailing Address:
Healthcare Benefits Consult LLC
One Gateway Center Suite 2600
Newark, New Jersey
07102
The data controller responsible for your personal information for the purposes of GDPR compliance is:
Kevin Sanders
controller@healthsure3x.com
973-353-6206
One Gateway Center Suite 2600
GDPR Disclosure:
If you answered "yes" to the question Does your website comply with the General Data Protection Regulation ("GDPR")? then the Privacy Policy above includes language that is meant to account for such compliance. Nevertheless, in order to be fully compliant with GDPR regulations your company must fulfill other requirements such as: (i) doing an assessment of data processing activities to improve security; (ii) have a data processing agreement with any third party vendors; (iii) appoint a data protection officer for the company to monitor GDPR compliance; (iv) designate a representative based in the EU under certain circumstances; and (v) have a protocol in place to handle a potential data breach. For more details on how to make sure your company is fully compliant with GDPR, please visit the official website at https://gdpr.eu. FormSwift and its subsidiaries are in no way responsible for determining whether or not your company is in fact compliant with GDPR and takes no responsibility for the use you make of this Privacy Policy or for any potential liability your company may face in relation to any GDPR compliance issues
COPPA Compliance Disclosure:
This Privacy Policy presumes that your website is not directed at children under the age of 13 and does not knowingly collect personal identifiable information from them or allow others to do the same through your site. If this is not true for your website or online service and you do collect such information (or allow others to do so), please be aware that you must be compliant with all COPPA regulations and guidelines in order to avoid violations which could lead to law enforcement actions, including civil penalties.
In order to be fully compliant with COPPA your website or online service must fulfill other requirements such as:
- posting a privacy policy which describes not only your practices, but also the practices of any others collecting personal information on your site or service — for example, plug-ins or ad networks;
- include a prominent link to your privacy policy anywhere you collect personal information from children;
- include a description of parental rights (e.g. that you won't require a child to disclose more information than is reasonably necessary, that they can review their child's personal information, direct you to delete it, and refuse to allow any further collection or use of the child's information, and the procedures to exercise their rights);
- give parents "direct notice" of your information practices before collecting information from their children;
- obtain the parents' "verifiable consent" before collecting, using or disclosing personal information from a child.
HIPAA Notice of Privacy Practices (Fully Elaborated Version)
Effective Date: October 20, 2025
This Notice explains how Healthcare Benefits Consult LLC (d/b/a Healthsure3x) (“we,” “our,” or “us”) may use and disclose your Protected Health Information (PHI) and describes your rights and our legal duties regarding that information.
We respect the privacy and confidentiality of your health information. We are required by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and related federal and state laws to maintain the privacy, integrity, and security of your PHI and to inform you about these practices.
1. Our Legal Duties
1.1 Duty to Protect Your Health Information
We are legally required to maintain the privacy of your PHI and to implement reasonable administrative, technical, and physical safeguards to protect it from unauthorized access, use, or disclosure. These safeguards include encryption, access control, staff training, and audit procedures.
1.2 Duty to Provide a Notice of Our Practices
HIPAA requires every covered entity to give individuals a Notice describing its privacy practices and legal duties. This document fulfills that obligation and applies to all records and systems in which your PHI is maintained.
1.3 Duty to Comply and Notify in Case of a Breach
If a breach of your unsecured PHI occurs—for example, if data are lost, stolen, or improperly disclosed—we will investigate immediately and notify you without unreasonable delay and no later than 60 days after discovery. The notice will explain what happened, what data were involved, what you can do to protect yourself, and what corrective measures we have taken.
1.4 Duty to Follow the Terms of This Notice
We are bound by the terms of this Notice as long as it remains in effect. If we revise it, the new version will apply to all PHI we maintain.
2. What Is Protected Health Information (PHI)
2.1 Definition
PHI means any information, whether spoken, written, or electronic, that:
- Identifies you or could reasonably be used to identify you; and
- Relates to your past, present, or future physical or mental health, the provision of healthcare to you, or payment for that healthcare.
PHI includes, for example:
- Your medical and billing records;
- Lab results, diagnostic images, and prescriptions;
- Health insurance numbers or claims data;
- Contact details linked to your medical information (name, address, email, date of birth, etc.).
Information that has been de-identified under HIPAA—meaning all personal identifiers have been removed and the risk of re-identification is very small—is not considered PHI and may be used for research, analytics, or other lawful purposes without restriction.
3. Permitted Uses and Disclosures Without Your Authorization
We may use or disclose your PHI for the purposes described below. HIPAA permits these categories because they are necessary for healthcare delivery and public interest.
3.1 For Treatment
We may use and share PHI to coordinate and manage your medical care.
Examples:
- Sending information to your physician, pharmacy, or laboratory;
- Contacting you with appointment reminders;
- Consulting with specialists about your care.
We may use PHI to obtain payment for healthcare services, determine coverage, or process insurance claims.
Examples:
- Submitting claims to your insurer;
- Providing your insurer with treatment codes or supporting documents;
- Verifying eligibility or benefits.
We may use PHI to manage our internal operations and ensure high-quality services.
Examples:
- Conducting audits and compliance reviews;
- Training staff;
- Performing quality-improvement and utilization analyses;
- Business planning and accreditation.
Certain functions are performed by third-party vendors (billing, data hosting, legal, IT). We enter into Business Associate Agreements (BAAs) requiring these partners to protect PHI, use it only for contracted services, and report any breaches immediately.
3.5 Public Health and Safety
We may share PHI with public health authorities authorized to:
- Prevent or control disease, injury, or disability;
- Report child or elder abuse or neglect;
- Notify individuals at risk of exposure to communicable disease;
- Report reactions to medications or product recalls.
We may disclose PHI when required by law—for example, to comply with subpoenas, court orders, or regulatory mandates.
3.7 Health Oversight Activities
We may disclose PHI to government oversight agencies (e.g., HHS, CMS, state departments of health) for audits, inspections, investigations, and enforcement actions.
3.8 Research
Under strict HIPAA conditions, PHI may be used for medical or health-care research if an institutional review board approves or if you give written authorization. Identifiers are minimized whenever possible.
3.9 Organ Donation and Coroners / Medical Examiners
We may disclose PHI to facilitate organ or tissue donation or to identify deceased persons and determine causes of death, as permitted by law.
3.10 Workers’ Compensation
We may disclose PHI to comply with workers’-compensation or similar programs that provide benefits for work-related injuries or illness.
3.11 Law Enforcement and National Security
We may share PHI with law-enforcement officials for legally authorized purposes or with federal officials for intelligence, counter-terrorism, or protective services, when required by law.
4. Uses and Disclosures Requiring Your Written Authorization
4.1 General Rule
Any use or disclosure not covered in Section 3 will require your explicit written authorization. You may revoke it at any time by written notice; the revocation will not affect actions already taken in reliance on the authorization.
4.2 Situations Typically Requiring Authorization
- Marketing: We will not use your PHI for marketing unrelated products or services without your consent.
- Sale of PHI: We will never sell your PHI.
- Psychotherapy Notes: If applicable, these will not be shared without a specific authorization separate from this Notice.
5. Your Rights Regarding Your PHI
HIPAA grants you specific rights to control and understand how your PHI is used.
5.1 Right to Access and Copy
You may inspect or obtain a copy (paper or electronic) of your PHI within 30 days of your request. A reasonable cost-based fee may be charged for copying, mailing, or preparing summaries.
5.2 Right to Amend
If you believe your record is incorrect or incomplete, you may request an amendment. We may deny the request if the record is accurate or not created by us; if so, we will explain the reason and let you submit a written disagreement that becomes part of your file.
5.3 Right to an Accounting of Disclosures
You may request a list of certain disclosures of your PHI made in the past six years (other than those for treatment, payment, or operations).
5.4 Right to Request Restrictions
You may ask us to restrict use or disclosure of your PHI. We will consider all requests but are only required to agree when you pay in full out-of-pocket for a service and request that we not share that service’s details with your health plan.
5.5 Right to Confidential Communications
You may request that we contact you at alternative addresses, phone numbers, or via secure electronic means. We will honor reasonable requests to protect your privacy.
5.6 Right to Receive a Copy of This Notice
You may obtain a paper or electronic copy of this Notice at any time, even if you previously agreed to receive it electronically.
5.7 Right to Notification of a Breach
If a breach of your PHI occurs, we will notify you in writing with all required details and guidance.
6. Breach Notification Process
A “breach” means any unauthorized access, acquisition, use, or disclosure of unsecured PHI that compromises its privacy or security.
Our process includes:
- Immediate investigation and containment;
- Risk assessment considering the type of PHI, who accessed it, and mitigation;
- Notification to you within 60 days of discovery;
- Notification to HHS and, if more than 500 residents are affected, to major media outlets;
- Documentation of remediation actions.
7. Safeguards for Your PHI
7.1 Administrative Safeguards
- Designated Privacy and Security Officers;
- Written policies and workforce training;
- Role-based access control and sanctions for violations;
- Regular risk assessments and contingency planning.
- Encryption of PHI in transit and at rest;
- Unique user authentication, strong passwords, and automatic timeouts;
- Audit trails and activity logs reviewed periodically;
- Firewalls, intrusion detection, and malware protection.
- Controlled facility access with ID verification;
- Secure server rooms and locked storage;
- Clean-desk and screen-privacy policies;
- Secure destruction of paper and media when no longer needed.
8. Changes to This Notice
We may revise this Notice at any time to reflect changes in law or our practices. Revisions will include a new effective date and will apply to all PHI we maintain. The most current version will always be posted on our website https://www.healthsure3x.com, and copies will be available upon request.
9. How to File a Complaint
9.1 Internal Complaints
If you believe your privacy rights have been violated, contact our Privacy Officer in writing:
Privacy Officer
Healthcare Benefits Consult LLC (d/b/a Healthsure3x)
One Gateway Center, Suite 2600
Newark, NJ 07102
Email: privacy@healthsure3x.com
Phone: (973) 353-6206
We will investigate and respond promptly. There will be no retaliation for filing a complaint.
9.2 External Complaints to HHS Office for Civil Rights
You may also file directly with:
Office for Civil Rights (OCR)
U.S. Department of Health and Human Services
200 Independence Avenue SW, Room 509 F
Washington, DC 20201
Online: https://www.hhs.gov/ocr/privacy/hipaa/complaints/
10. Contact Information
For questions about this Notice, your rights, or our privacy and security practices,
please contact:
Kevin Sanders, Privacy Officer
Healthcare Benefits Consult LLC (d/b/a Healthsure3x)
One Gateway Center, Suite 2600
Newark, New Jersey 07102
Email: privacy@healthsure3x.com
Phone: (973) 353-6206
