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Privacy Statement

Protecting your privacy is very important to us. We're telling you about the Navigator Benefit Solutions LLC (NBSLLC) privacy policy so you know what information we collect, why we collect it, and what we do with it. This policy covers the following websites and mobile apps ("SAPP", "SAPPs"):
NBSLLC SAPPs don't collect any personally identifiable information (PII) about you during your visit unless you choose to provide it to us. We do, however, collect information from visitors who read, browse, and/or download information from our site. We do this so we can understand how the public uses the site and how to make it more helpful.

NBSLLC SAPPs never collect information for commercial marketing or any purpose unrelated to our mission and goals.

Types of information we collect

When you browse through any website, certain information about your visit can be collected. We automatically collect and temporarily store the following types of information about your visit:
  • Domain from which you access the Internet
  • IP address (an IP or internet protocol address is a number that is automatically given to a computer connected to the Web)
  • Operating system on your computer and information about the browser you used when visiting the site
  • Date and time of your visit
  • Pages you visited
  • Address of the website that connected you to a NBSLLC SAPP (such as or
We use this information to measure the number of visitors to our site and its various sections and to help make our site more useful to visitors.

How NBSLLC SAPPs use information they collect

NBSLLC SAPPs use a variety of Web measurement software tools. We use them to collect the information listed in the “Types of information collected” section above. The tools collect information automatically and continuously. No personally identifiable information is collected by these tools.

NBSLLC SAPP staff analyze and report on the collected data from these tools. The reports are available only to NBSLLC SAPP managers, members of the NBSLLC SAPPs communications and web teams, and other designated staff who need this information to perform their duties.

NBSLLC SAPPs may also use an online survey to collect opinions and feedback. This online survey appears on the bottom left of many pages on the site. You don't have to answer these questions. Please do not to include any personally identifiable information (PII) in comments you make. We analyze and use this information to improve the site's operation and content. The reports are available only to NBSLLC SAPP managers, members of the communications and Web teams, and other designated staff who require this information to perform their duties.

NBSLLC SAPPs keep the data from our measurement tools as long as needed to support the mission of the website.

How NBSLLC SAPPs use cookies

When you visit any website, its server may generate a piece of text known as a "cookie" to place on your computer. The cookie allows the server to "remember" specific information about your visit while you are connected. The cookie makes it easier for you to use the dynamic features of Web pages. Cookies from NBSLLC SAPPs collect only information about your browser's visit to the site. They do not collect personal information about you.

There are two types of cookies: single session (temporary) and multi-session (persistent). Session cookies last only as long as your Web browser is open. Once you close your browser, the cookie disappears. Persistent cookies are stored on your computer for longer periods.
  • Session Cookies: We use session cookies for technical purposes such as to allow better navigation through our site. These cookies let our server know that you are continuing a visit to our site.
  • Persistent Cookies: We use persistent cookies to understand the differences between new and returning NBSLLC SAPP visitors. Persistent cookies remain on your computer between visits to our site until they expire.
How to opt out or disable cookies

If you do not wish to have session or persistent cookies placed on your computer, you can disable them using your Web browser. If you opt out of cookies, you will still have access to all information and resources on NBSLLC SAPPs. Instructions for disabling or opting out of cookies in the most popular browsers are located at

Please note that by opting out of cookies, you will disable cookies from all sources, not just from NBSLLC SAPPs.

How we protect your personal information

You do not have to give us personal information to visit NBSLLC SAPPs. However, if you choose to receive alerts or e-newsletters, we collect your email address to complete the subscription process.

If you choose to provide us with personally identifiable information through an email message, request for information, paper or electronic form, questionnaire, survey, etc., we will maintain the information you provide only as long as needed to respond to your question or to fulfill the stated purpose of the communication.

Although not required, if in order to contact you we store your personal information in a record system designed to retrieve information about you by personal identifier (name, personal email address, home mailing address, personal or mobile phone number), as relates to the storage of such personal contact information we attempt to safeguard the information you provide in accordance with the Privacy Act of 1974, as amended (5 U.S.C. Section 552a).

If any NBSLLC SAPP operates a record system designed to retrieve information about you in order to accomplish its mission, a Privacy Statement should be prominently and conspicuously displayed on the public-facing website or form which asks you to provide personally identifiable information. The notice will seek to address the following five criteria:
  1. The NBSLLC SAPP's legal authorization to collect information about you
  2. Purpose of the information collection
  3. Routine uses for disclosure of information outside of NBSLLC SAPPs
  4. Whether the request made of you is voluntary or mandatory under law
  5. Effects of non-disclosure if you choose to not provide the requested information
With respect to the information collected during the registration process contained in NBSLLC's nAValCulatorTM:
  1. Legal Authorization - nAValCulatorTMprovides the opportunity to create a username and password. Other information that could be collected include an e-mail address and reason for interest in nAValCulatorTM. We do not require any of such information, yet in order to enter the system you will need to enter alpha-numeric data that is unique relative to all other nAValCulatorTM users. True and accurate data may also be necessary to facilitate access to services beyond those services that are freely available.
  2. Purpose of the information collection - To permit access to nAValCulatorTM's services and you must provide true information if you wish to receive alerts or e-newsletters
  3. Routine uses for disclosure of information outside of NBSLLC - currently (November 30, 2013), information is not disclosed outside of NBSLLC, yet NBSLLC may in the future reevaluate such disclosure where NBSLLC believes such disclosure may improve the user experience.
  4. Whether the request made of you is voluntary or mandatory under law - currently (November 30, 2013), information that we request is voluntary and not mandatory.
  5. Effects of non-disclosure if you choose to not provide the requested information - where true information is not provided, you may not have access to all of the capabilities of the NBSLLC SAPP.
For further information about the NBSLLC SAPP privacy policy, please contact .

Data safeguards and privacy

NBSLLC makes a good faith effort to ensure NBSLLC's uses of Web-based technologies comply with existing privacy and data safeguarding policies and standards.

Groups of records that contain information about an individual and are designed to be retrieved by the individual's name or other personal identifier linked to the individual are covered by the Privacy Act of 1974, as amended (5 U.S.C. Section 552a). NBSLLC informs the user, by this notice, that 'username' and 'e-mail' information is simply to allow NBSLLC to track and address specific session-related issues. At this time (November 30, 2013), whether the user inputs real or fictitious credentials is entirely at the user's discretion.

When you visit NBSLLC SAPPs, please look for the Privacy Notice posted on the main pages. When Web measurement and customization technologies, beyond any described in this notice, are used, a Privacy Appendium should be accessible from such page to provide:
  • Purpose of the web measurement and/or customization technology
  • A description of the Web measurement and customization technologies used
  • Nature of the information collected
  • Purpose and use of the information
  • Whether and to whom the information will be disclosed
  • Privacy safeguards applied to the information
  • Data retention policy for the information
  • Whether the technology is enabled by default or not and why
  • How to opt out of the web measurement/customization technology
  • Statement that opting out still permits users to access comparable information or services
  • Identities of all third-party vendors involved in the measurement and customization process
How long we keep data and how we access it

NBSLLC SAPPs keep data collected long enough to achieve the specified objective for which they were collected. While the data generated from these activities does not fall under the National Archives and Records Administration (NARA) General Records Schedule (GRS) 20-item IC “Electronic Records,” at the present (November 30, 2013) NBSLLC endeavors to handle such data according to the requirements of that schedule ( with the first official review of then existing electronic records to occur on or before December 31, 2014.

How NBSLLC SAPPs use third-party websites and applications

NBSLLC SAPPs may use a variety of technologies and social media services to communicate and interact with citizens. These third-party website and application (TPWA) tools include popular social networking and media sites, open source software communities, and more. Examples include Facebook, Twitter, and YouTube.

TPWAs are not exclusively operated or controlled by NBSLLC SAPPs. Users of TPWAs often share information with the general public, user community, and/or the third party operating the website. These actors may use this information in a variety of ways. TPWAs could cause PII to become available or accessible to NBSLLC SAPPs and the public, regardless of whether the information is explicitly asked for or collected by us.

NBSLLC SAPPs sometime collect and use your PII if you made it available through third-party websites. However, we do not share PII made available through third-party websites. Your activity on the third-party websites we use is governed by the security and privacy policies of those sites. You should review the third-party privacy policies before using the sites and ensure that you understand how your information may be used.

If you have an account with a third-party website and choose to “like,” “friend,” follow, or comment, certain PII associated with your account may be made available to NBSLLC SAPPs based on the privacy policy of the third-party website and your privacy settings within that website. You should adjust privacy settings on your account to match your preferences.

Links to other sites

NBSLLC SAPPs may link to other HHS sites, other government sites, and to private organizations. Once you leave a NBSLLC SAPP, you are subject to the privacy policy for the sites you are visiting.

By checking the nearby box you, the user, accept the terms of this Privacy Policy and promise to hold harmless Navigator Benefit Solutions LLC for any failure to read or understand such policy.

NBSLLC disclaims and does not own a copyright to language contained within this privacy notice where such language is consistent with the privacy notice outlined at the Centers for Medicare & Medicaid Services site:

Terms of Use

Key Principles

Navigator Benefit Solutions LLC (NBSLLC) offers several websites and mobile apps ("SAPP", "SAPPs"). See the current Privacy Statement for the current list of SAPPs. The information, opinions, data, and statements accessed via NBSLLC SAPPs are not necessarily those of NBSLLC and should not be interpreted, acted on, or represented as such.
NBSLLC and their owners, employees and contractors do not make any warranty, express or implied, including the warranties of merchantability and fitness for a particular purpose with respect to NBSLLC SAPPs. In creating NBSLLC SAPPs, NBSLLC pursues "agile" programming and business development techniques to release desired tools and technologies. In addition, NBSLLC and their owners, employees and contractors assume no legal liability for the accuracy, completeness, or usefulness of any information, apparatus, product, or process disclosed herein and do not represent that use of such information, apparatus, product or process would not infringe on privately owned rights. Further:
  • nAValCulatorTM calculations do not provide and should not be relied upon as an "Actuarial Value" or as a "Statement of Actuarial Opinion" from a qualified actuary.
  • nAValCulatorTM calculations are not to be used as tax advice and is not intended to be used and cannot be used by any taxpayer to avoid penalties under the Internal Revenue Code, and such advice cannot be quoted or referenced to promote or market to another party any transaction or matter addressed in nAValCulatorTM in compliance with U.S. Treasury Regulations.
  • nAValCulatorTM calculations seek to provide fast and ready access to technology released by the Department of Health and Human Services available at The reliability and accuracy of nAValCulatorTM calculations must be confirmed independently.
NBSLLC strongly recommends appropriate consultation with your own advisors (actuarial, medical, insurance, financial, legal, tax, or otherwise).
Reference herein to any specific commercial product, process, or service by trade name, trademark, manufacturer, or otherwise, does not necessarily constitute or imply its endorsement, recommendation, or favoring by NBSLLC or any of their owners, employees and contractors.
Information, apparatus, product, or process on this server are sponsored by NBSLLC, along with private companies, individuals, and other organizations. Accordingly, other parties may retain all rights to publish or reproduce such information, apparatus, product, or process or to allow others to do so. Documents available from this server may be protected under the U.S. and foreign Copyright laws. Permission to reproduce, use, retain, or otherwise access may be required.

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Links to Other Sites

While using or visiting NBSLLC SAPPs, you may leave the NBSLLC SAPP and access certain non-NBSLLC Web sites. NBSLLC neither reviews nor controls the content and accuracy of these Web sites, and therefore will not be responsible for their content and accuracy. Your access to non-NBSLLC SAPPs is at your sole risk.

Other Web sites on the Internet may contain unedited, sexually explicit, violent, racist or other types of material, which may be offensive to you. Please access other Web sites at your own discretion.

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General Disclaimer

All material including any link to other sites and content found at linked sites is provided "as is" and without any express or implied warranties including warranties of merchantability or fitness for a particular purpose. Due to the nature of the Internet, NBSLLC does not warrant that access to NBSLLC SAPPs or any accessible pages will be uninterrupted or error free. NBSLLC does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on NBSLLC SAPPs. Note that some jurisdictions may not allow the exclusion of implied warranties so some of the above exclusions may not apply to you. Please check your local laws for any such restrictions.

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Viruses, Worms, Use of Files

NBSLLC does not guarantee or warrant that files available for downloading using NBSLLC SAPPs are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. NBSLLC does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, noninfringement or fitness for a particular purpose) with respect to the files available for downloading. In no event will NBSLLC be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from use of files downloaded. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason is expressly prohibited, unless prior written consent is obtained from the appropriate copyright holder which in many cases may be NBSLLC.

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Health Information

Any health information is provided by NBSLLC solely for informational purposes as a public service to promote consumer health. It does not constitute medical advice and is not intended to be a substitute for proper medical care provided by a physician. NBSLLC assumes no responsibility for any circumstances arising out of the use, misuse, interpretation or application of any information supplied on a NBSLLC SAPP. Always consult with your doctor for appropriate examinations, treatment, testing, and care recommendations. Do not rely on information a NBSLLC SAPP as a tool for self-diagnosis.

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There are references throughout NBSLLC SAPPs to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.

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Message Boards, Blogs, and Chat Rooms

You agree to indemnify and hold NBSLLC and its owners, employees, officers, directors and agents harmless from any claim or demand, including reasonable attorneys' fees, made by a third party arising from any material you contribute via NBSLLC SAPPs.

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Limitation of Liability

You agree by accessing NBSLLC SAPPs that under no circumstances or any theories of liability under international or civil, common or statutory law including but not limited to strict liability, negligence or other tort theories or contract, patent or copyright laws, will NBSLLC be liable for damages of any kind occurring from the use of NBSLLC SAPP or any information, goods or services obtained on such NBSLLC SAPP including direct, indirect, consequential, incidental, or punitive damages (even if NBSLLC has been advised of the possibility of such damages), to the fullest extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages so some of these limitations may not apply to you. You agree to indemnify and hold NBSLLC and its owners, employees, officers, directors and agents harmless from any claim or demand, including reasonable attorneys' fees, made by a third party arising from any material you contribute via NBSLLC SAPPs.

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Calculations and Investment Decisions

Financial and Savings calculators\calculations are provided for illustrative purposes only. You are responsible for verifying the accuracy and suitability of all assumptions and calculations. Please seek the advice of licensed and/or competent individuals before making any investment, financial planning, or health insurance decisions. Do not rely solely on financial and savings calculators\calculations or financial or retirement information found on NBSLLC SAPPs.

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The Digital Millennium Copyright Act

NBSLLC reserves the right, but not the obligation, to terminate your access to NBSLLC SAPPs if it determines in its sole and absolute discretion that you are involved in infringing activity, including alleged acts of first-time or repeat infringement, regardless of whether the material or activity is ultimately determined to be infringing. NBSLLC and its service providers accommodate and do not interfere with standard technical measures used by copyright owners to protect materials. NBSLLC has implemented procedures for receiving written notification of claimed infringements and for processing such claims in accordance with the Act. Our designated agent to receive notification of claimed infringement is:

Any notice regarding any infringement of copyright or of other proprietary rights must include the following information:
  • A signature of a person authorized to act on behalf of (i) the owner of an exclusive right that is allegedly infringed or (ii) the person defamed.
  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site.
  • Identification of the material that is claimed to be infringing, or to be the subject of infringing activity, including information reasonably sufficient to permit us to locate the material.
  • Information reasonably sufficient to permit us to contact you, such as your address, telephone number, and/or electronic mail address.
  • A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright or other proprietary right owner, its agent, or the law.
If you choose to access NBSLLC SAPPs from outside the United States you do so on your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported (i) into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods, or (ii) to anyone on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from NBSLLC SAPPs or any of to a foreign national or foreign country in violation of those laws.

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Changes and Applicable Law

We reserve the right to make changes to NBSLLC SAPPs and our Terms of Use/Privacy Statement. We encourage you to review NBSLLC SAPP and such Terms of Use/Privacy Statement periodically for any updates or changes. Your continued access or use of NBSLLC SAPPs shall be deemed your acceptance of these Terms of Use and any changes and the reasonableness of these standards for notice of changes. Use of NBSLLC SAPPs and purchases of products from NBSLLC SAPPs will be governed by and construed in accordance with the laws of Pennsylvania, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and NBSLLC SAPPs will be brought exclusively in a federal or state court of competent jurisdiction sitting in Philadelphia, Pennsylvania. If any provision of this agreement shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this agreement and shall not affect the validity and enforceability of any remaining provisions.

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By checking the nearby box you, the user, accept the terms of this Terms of Use and promise to hold harmless Navigator Benefit Solutions LLC for any failure to read or understand such Terms of Use up to and including reimbursing any costs or losses incurred by Navigator Benefit Solutions LLC due to you or your actions.

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