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Creative Benefits is a member of the Women's Business Enterprise National Council.
DID YOU KNOW
Creative Benefits provides impartial, confidential benefits administration to over 700 clients. Approximately 90,000 participants are currently served by Creative Benefits.
Our employees reflect the highest standards of integrity and ability and are committed to serving you. That’s the assurance you need when choosing an appropriate administrator for your plan.
Our goal is simple: to develop long-standing relationships with employers who are delighted with our expertise and administrative capacity. We will make sure you and your employees are pleased with our services.
About Us
Terms of Service/Privacy Notice
Terms of Service
Welcome to www.creativebenefits.com. This site (this "Site") is comprised
of various Web pages owned and operated by Creative Benefits, Inc. or its affiliates
("Creative Benefits") for your personal information and use. Your
submission of information to and access and use of this Site is subject to
the terms and conditions of the terms of service set forth below (the "Terms
of Service"). By submitting information to and/or accessing and browsing
this Site you accept and agree to abide by, without limitation or qualification,
the Terms of Service. If you do not agree to be bound by the Terms of Service,
you may not use this Site.
BY ENTERING THIS SITE, YOU AGREE TO BE BOUND BY ALL OF THE TERMS OF SERVICE.
THIS SITE IS OWNED, CONTROLLED AND OPERATED BY CREATIVE BENEFITS, INC., P.O.
BOX 1928, VISTA, CALIFORNIA 92085-1928. CREATIVE BENEFITS RESERVES THE RIGHT,
IN ITS SOLE DISCRETION, TO MODIFY, ALTER OR OTHERWISE UPDATE THE TERMS OF SERVICE
AT ANY TIME AND, BY ENTERING THIS SITE, YOU AGREE TO BE BOUND BY SUCH MODIFICATIONS,
ALTERATIONS OR UPDATES AS WELL.
1. Copyrights. All of the material on this Site, whether graphical, textual, audio, video, computer code, or software, or a combination thereof, are protected by copyrights which are owned and controlled by Creative Benefits, or by third parties that have licensed their material to Creative Benefits or are advertisers on www.creativebenefits.com and www.crbenefits.com, and may not be copied, modified, reproduced, republished, posted, transmitted or distributed in any way without the express written permission from Creative Benefits. All contents of the Site are copyrighted under: Copyright © 2007 Creative Benefits, Inc. All Rights Reserved.
2. Trademarks. www.creativebenefits.com, www.crbenefits.com and the names of other Creative Benefits products and services referenced herein are trademarks of Creative Benefits.
3. License and Site Access. Creative Benefits grants you a limited license to access and make personal use of this Site and not to download (other than page caching) or modify it, or any portion of it, except with express written consent of Creative Benefits. This license does not include any resale or commercial use of this Site or its contents; any collection and use of any product or service listings, descriptions, or prices; any derivative use of this site or its contents; any downloading or copying of account information for the benefit of another merchant or service provider; or any use of data mining, robots, or similar data gathering and extraction tools. This Site or any portion of this Site may not be reproduced, duplicated, copied, sold, resold, visited or otherwise exploited for any commercial purpose without the express written consent of Creative Benefits. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Creative Benefits and our affiliates without express written consent. You may not use any meta-tags or any other "hidden text" utilizing Creative Benefits' name or trademarks without the express written consent of Creative Benefits. Any unauthorized use terminates the permission or license granted by Creative Benefits. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Creative Benefits so long as the link does not portray Creative Benefits, its affiliates, or their products or services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Creative Benefits logo or other proprietary graphic or trademark as part of the link without express written permission.
4. Submission of Information. If you use this site, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. Creative Benefits and its affiliates reserve the right to refuse service, terminate accounts, remove or edit content. Any communication or material you transmit to the web site by electronic mail or otherwise, including any data, questions, comments, suggestions, or the like is, and will be treated as confidential. Anything you transmit or post that is personally identifiable will be treated as confidential, with respect, and will be disclosed as required or permitted by law.
5. Use of Information. This Site contains information which may be derived in whole or in part from materials and information supplied by other sources. Creative Benefits makes no representation or warranty, express or implied, and assumes no responsibility or legal liability for the accuracy, completeness, timeliness or quality of any information contained in this Site, which is subject to deletion, addition and change at any time without notice from Creative Benefits. Creative Benefits does not ensure the accuracy, endorse or recommend any information and your use of any such information is at your own risk. The information contained on this Site cannot be considered complete and Creative Benefits undertakes no commitment to update the information contained on this Site within a particular period of time. It is the responsibility of each user of any portion of the Site to ascertain the accuracy of any information before entering into any commitment (financial or otherwise) or undertaking any course of action based upon the information contained in this Site.
6. Disclaimer of Warranties. ALL OF THE INFORMATION, SERVICES AND MATERIALS ON THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. NO INFORMATION, ADVICE, OR GUIDANCE, WHETHER ORAL OR WRITTEN, RECEIVED BY YOU FROM CREATIVE BENEFITS OR THIS SITE SHALL CREATE ANY WARRANTY.
7. Limitation of Liability. IN NO EVENT SHALL CREATIVE BENEFITS BE LIABLE TO ANY PERSON OR ENTITY, INCLUDING, WITHOUT LIMITATION, PERSONS OR ENTITIES WHO MAY SUBMIT INFORMATION TO, USE OR RELY ON THIS SITE OR TO WHOM ANY INFORMATION ON THIS SITE MAY BE FURNISHED, FOR ANY LOSS OR DAMAGE OF ANY KIND OR CHARACTER WHATSOEVER, WHETHER DIRECT, INDIRECT, CONSEQUENTIAL, SPECIAL, PUNITIVE OR OTHERWISE, ARISING OUT OF, BASED UPON OR RESULTING FROM ANY USE OF OR RELIANCE ON THIS SITE OR ANY INFORMATION OR OPINIONS CONTAINED HEREIN, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE FOREGOING LIMITATION MAY NOT APPLY TO YOU. FURTHER, CREATIVE BENEFITS SHALL NOT BE IN ANY WAY RESPONSIBLE FOR THE CONDUCT OR OMISSIONS OF THIRD PARTIES THAT HAVE POSTED INFORMATION ON THIS SITE OR FOR ANY INFORMATION POSTED ON THIS SITE BY SUCH PARTIES.
8. Third Party Sites. As a convenience to users, Creative Benefits may provide links on the Site to Web sites maintained by others. Creative Benefits has not reviewed such sites and is not responsible for the contents or availability of such sites or for products or services offered on such sites. Creative Benefits shall not be responsible or liable, directly or indirectly, for any damage or loss caused or claimed to have been caused by use of any such sites or the content, goods, services, or advertisements contained on or available via such sites. Links have been provided for your convenience and the inclusion of any link does not imply endorsement by Creative Benefits of the site or any association with the site's owners or operators.
9. Privacy Policy. Pursuant to Creative Benefits' privacy policy, we may disclose to third parties certain aggregate information contained in your registration or other information or related data, provided that, such information will NOT include personally identifying information, except as specifically authorized by you or in the good faith belief that such action is reasonably necessary to comply with the law, legal process, to enforce the Terms of Service, or under any of the other circumstances set forth in our privacy policy, as may be amended from time to time.
10. Indemnification. Each user of this Site agrees to indemnify, defend and hold Creative Benefits harmless from and against any and all third party claims, liabilities, costs, or expenses, including reasonable attorneys' fees, arising out of or resulting from (a) such user's breach of any provision of these Terms of Service, (b) such user's negligence or willful misconduct, or (c) a claim that information submitted to this Site infringes the intellectual property or proprietary rights of a third party.
11. General. This Site is controlled and operated by Creative Benefits from its offices within the State of California, United States of America. Creative Benefits makes no representation that the materials on this Site are appropriate or available for use in other locations. Those who choose to access this Site from other locations do so on their own initiative and at their own risk and are responsible for compliance with local laws, if and to the extent applicable. These Terms of Service shall be governed by and construed and enforced in accordance with the laws of the State of California, without regard to conflicts of law, as they are applied to agreements entered into and to be performed entirely within the State of California. Any action you, any third party, or Creative Benefits brings to enforce these Terms of Service or in connection with any matters relating to this Site shall be brought only in either the state or federal courts located in San Diego County, California, and you expressly consent to the jurisdiction of said courts. If any provision of these Terms of Service shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms of Service and shall not affect the validity and enforceability of any remaining provisions. These Terms of Service constitute the entire agreement and understanding between you and Creative Benefits and supersede any prior or contemporaneous agreements or understandings, whether written or oral, relating to the matters contained herein.
12. Term and Termination. These Terms of Service are effective
until terminated by either you or Creative Benefits. You
may terminate the Terms of Service at any time by discontinuing
your use of this Site and destroying all materials obtained
from it. The provisions contained under the headings Copyrights,
Trademarks, Disclaimer of Warranties, Limitation of Liability,
Indemnification and General shall survive any such termination.
Privacy Notice
Protecting the privacy and security of the personal information of your plan
participants and other covered persons (collectively, "Covered Persons")
is very important to Creative Benefits, Inc. ("Creative Benefits").
This Privacy Notice is designed to let you know the types of information we
collect from and about Covered Persons, and how we use and safeguard that information.
We will provide you with a Privacy Notice annually, as long as we continue
to provide administrative services to your employee benefit plan (the "Plan").
If our privacy practices change, we will provide you with a revised Privacy
Notice.
Our Privacy Notice governs Participant Information, which includes both personally identifiable financial and medical information about Covered Persons and their relationship with us. The Notice only applies to individuals who obtain services from Creative Benefits for personal, family or household purposes.
Confidentiality and Security. We restrict access to Participant Information to our employees, agents, service providers and vendors on a need-to-know basis. We also maintain physical, administrative and technical safeguards to protect the confidentiality and security of Participant Information.
Collection Practices. We collect Participant Information that we believe will be necessary or helpful in administering the Plan. This includes the following:
- Information from the employer or the Covered Person (including names, addresses, Social Security numbers, financial and marital status, health and dependent child-care information, benefit elections and employment information);
- Information about the employer's or the Covered Persons' transactions with Creative Benefits (including payment and banking information and claims, which can include drug receipts and medical information);
Disclosure Practices. Creative Benefits may disclose the nonpublic personal financial information we collect, as described above, as well as information about Covered Persons' transactions with us (such as election amounts, premiums and payment history) to our agents or other third parties who perform services for us or functions on our behalf, including our bank and mailing vendors. Creative Benefits may also disclose the nonpublic personal financial information we collect to other third parties as authorized by the Covered Person, or as required or permitted by law.
Creative Benefits will not use or share with other parties any nonpublic personal health information about Covered Persons except as authorized by the Covered Person or as permitted by law, including for the servicing of the Plan by Creative Benefits or on our behalf.
Creative Benefits will not further disclose any Participant Information about a former Covered Person other than as may be required or permitted by law.