Privacy Policy

Pension Benefit Information, LLC (“PBI,” “our,” or “we”) works with pension plans, insurance companies, financial institutions, government entities, benefit plan sponsors, and other clients to help locate people who may be eligible for benefits. We also help with our clients’ other legitimate business purposes, such as preventing fraud or avoiding overpayment of benefits to deceased individuals.

Where personal information is provided to PBI by those organizations, PBI is a data processor, service provider or contractor to such organizations, as those terms are used in applicable privacy laws. As the controller of personal information related to you, your pension plan, insurance company, or other business is the proper entity to address any questions or requests related to your personal information.

1. About This Privacy Policy

This privacy policy explains PBI’s general practices for collecting, using, disclosing and protecting personal information. This privacy policy may be supplemented by additional privacy statements, terms or notices as provided on PBI’s websites or applications.

PBI maintains a separate Privacy Notice for California Residents, which applies solely to personal information for individuals residing in the State of California and is available at www.pbinfo.com/ca-privacy-policy/.

This privacy policy does not apply to workforce-related personal information collected from PBI’s employees, job applicants, contractors, or similar individuals. Please contact our human resources department at HR@longevity.inc with questions about workforce-related personal information.

PBI’s services, websites, and applications are not intended for residents outside of the United States. PBI provides business-to-business services and does not provide services to individual consumers.

2. Collecting Personal Information

PBI may collect information about individuals:

  • Directly from the individual, including by phone, mail or internet forms, or in-person contact;
  • Indirectly from use of PBI’s services, websites, or applications;
  • From another company within our family of companies; and
  • From third parties, such as PBI’s business clients.

PBI may collect or process for PBI’s business clients the following categories of personal information about individuals:

  • Contact details, such as name, email address, postal address and phone number;
  • Account login credentials, such as usernames and passwords;
  • Other account registration information, such as job title;
  • Other information provided to PBI, including search query data and questions or information you send to customer support;
  • Payment information, such as a credit or debit card number;
  • Comments, feedback and other information submitted to PBI or our services, websites, and applications;
  • Communication preferences;
  • Computer, device and connection information, such as IP address, browser type and version, operating system, mobile platform and unique device identifier and other technical identifiers, error reports and performance data; and
  • Usage data, such as click stream data, including date and time stamp, and referring and exit pages, search terms you used and pages you visited or searched for on our services, websites, and applications.

PBI may use and disclose information that does not reveal an individual’s identity or permit direct association with any specific individual, such as browser and device information, anonymous usage data and aggregated information, for any purpose, except where we are restricted by law. We may collect this information through our servers and the use of cookies and other technologies. You may control cookies through your browser’s settings and other tools. For example, if you view a webinar or other video on PBI’s YouTube account, you can opt-out of YouTube cookies by changing the settings in your web browser.  However, if you block certain cookies, you may not be able to register, login, access certain parts, or make full use of PBI’s services, websites, and applications.

PBI may collect or process personal information that is subject to certain privacy laws and regulations.

3. Using Personal Information

PBI may use (including on behalf of PBI’s business clients) personal information to:

  • Provide, activate, and manage your access to and use of our services, websites and applications;
  • Process and fulfill a request, order, download, subscription, or other transaction;
  • Provide technical, product and other support and to help keep our services, websites and applications working, safe and secure;
  • Respond to your requests, inquiries, comments and concerns;
  • Provide, evaluate and improve our services, websites, and applications, and to develop new products, services, websites, applications, and benefits;
  • Offer you customized content and individualized personalization of our services, websites and applications to make it more relevant to your interests and needs;
  • Notify you about changes, updates and other announcements related to our services, websites, and applications;
  • Deliver information about our services, websites and applications as well as other products, events and services of ours or our affiliates;
  • Invite you to participate in user testing and surveys;
  • Identify usage trends and for data analysis, including for purposes of research, audit, reporting and license fees to third-party providers, such as data providers, or other business operations, including evaluating our business performance, or in other ways to which you or a third party acting on your behalf have expressly agreed in an agreement; and
  • Comply with our legal obligations, resolve disputes, and enforce our agreements.

PBI may match or combine personal information with information that we obtain from other sources or that is already in our records, whether collected online or offline or collected by a predecessor or another company in our family of companies, for the purposes described above.

 4. Disclosing Personal Information

PBI may disclose personal information to process the information, based on our instructions or instructions by our business clients and in accordance with this privacy policy and any other appropriate confidentiality and security measures. We may disclose personal information to:

  • Another company in our family of companies;
  • Our service providers, suppliers, contractors, agents and representatives;
  • Our clients pursuant to servicing or licensing agreements; and
  • An individual’s business entity sponsor, if the individual accesses PBI’s services, websites, or applications under an entity’s agreement (for example, a company, corporation, nonprofit, partnership, bank or other business entity).

PBI may also disclose personal information:

  • To (i) meet any applicable law, regulation, legal process or other legal obligation; (ii) detect, investigate and help prevent security, fraud or technical issues; (iii) enforce and protect our rights and properties; or (iv) protect the rights, property or safety of our users, employees and others; or
  • If PBI or our services, websites, or applications, or a related asset or line of business is acquired by, transferred to or merged with another company.

5. Protecting Personal Information

PBI recognizes the importance of protecting personal information. We use a variety of administrative, physical and technical security measures intended to safeguard your personal information.

Our services, websites, or applications may contain links to other sites. PBI is not responsible for the security, privacy practices or the content of such linked sites.

6. Updating Personal Information

PBI works with pension plans, insurance companies, and other businesses across the United States. Personal information is provided to PBI from or on behalf of those organizations, and PBI is a service provider, contractor, or data processor/collector to such organizations. If you would like to update your personal information, please contact your pension plan, insurance company or other business.  As the business and controller of personal information related to you, your pension, insurance company, or other business is the proper entity to update your personal information.

PBI cooperates with its business clients (which are the data owner or controller of personal information) to respond to verified consumer requests. If the data owner, controller, or business requests PBI to delete your personal information, PBI will endeavor to fulfill such request in accordance with our policies, but some personal information may be retained in backup copies for a certain period of time and as necessary for legitimate business purposes or to comply with our legal obligations, resolve disputes and enforce our agreements.

Access to personal information that PBI gathers from certain sources is subject to applicable laws and our data sharing policy.

7. Children’s Privacy

We do not knowingly collect information from children under the age of 13 or target our services, websites, and applications to children under 13.  If it comes to our attention that we have collected personal information from children under the age of 13, we may delete this information without notice. If you have reason to believe that PBI has collected information from children under the age of 13, please contact PBI at 415-482-9611 or email help@pbinfo.com.

8. Changes

PBI will notify you of changes or updates to our services, websites, or applications or to this privacy policy whenever necessary, in PBI’s discretion, through email, invoice announcements, the functionality of our services, websites, or applications, or by updating PBI websites, or applications.  If you have an account with PBI, we may notify you through such account. Any changes to this privacy policy will be posted on this page with an updated revision date. Your continued use of PBI’s services, websites, and applications following the posting of changes constitutes your acceptance of such changes.

9. Contact Us

If you have any questions, comments or requests regarding this privacy policy or our processing of your information, please contact PBI at 415-482-9611 or email help@pbinfo.com.

If you use assistive technology (such as a Braille reader, a screen reader, TTY, etc.) and the format of this privacy policy interferes with your ability to access this privacy policy, contact PBI for assistance. Please indicate the nature of your accessibility problem, the preferred format you would like to receive this privacy policy, and your contact information so that we may respond in a manner most helpful to you.

Last Revision: 5/1/2024