Privacy Policy

Privacy Policy

Effective Date: August 26, 2026

CafeHealth, LLC ("CafeHealth," "we," "us," or "our") respects your privacy and is committed to protecting the personal information of visitors to our website, our clients, plan participants, brokers, employers, and individuals who communicate with us by phone, text message (SMS), email, web forms, or other communication channels.

This Privacy Policy explains what information we collect, how we use and protect it, how we share it, how cookies and similar technologies are used, and the choices available to you.

1. Information We Collect

We may collect the following categories of information:

Contact Information

This may include your name, email address, phone number, mailing address, company or employer name, and other information you voluntarily provide to us.

Account and Benefits Information

We may collect information related to COBRA, FSA, HSA, HRA, ICHRA, LSA, commuter benefits, and other benefits administration services that you or your employer enroll in or request.

Communications Information

We may collect and retain records of communications with you, including calls, text messages, emails, web chat conversations, form submissions, service requests, and other communications.

Technical and Usage Information

When you visit our website, we may automatically collect certain technical information, including IP address, browser type, device information, operating system, pages viewed, referring website, general usage information, and similar technical information.

Protected Health Information

Where applicable, CafeHealth may handle Protected Health Information ("PHI") in connection with benefits administration services. PHI is handled in accordance with applicable law, including HIPAA, and applicable Business Associate Agreements with plan sponsors.

2. How We Use Your Information

We may use the information we collect to:

Provide and administer COBRA, FSA, HSA, HRA, ICHRA, LSA, commuter benefits, and other benefits administration services.

Respond to inquiries, service requests, support requests, and communications.

Schedule and manage consultations, appointments, and service interactions.

Send account, billing, renewal, appointment, service, and compliance-related notifications.

Provide customer support and communicate updates regarding requested services.

Improve our website, services, systems, and customer experience.

Analyze website usage and performance.

Send marketing and promotional communications where you have provided the appropriate consent.

Protect the security and integrity of our website, systems, and services.

Comply with applicable federal, state, and local laws and regulations.

3. Cookies, Tracking Technologies, and Analytics

CafeHealth uses cookies and similar tracking technologies on our website to help operate the website, provide functionality, remember preferences, understand website usage, and improve our services.

Cookies are small text files that may be stored on your device when you visit a website. Depending on their purpose, cookies may include:

Essential Cookies

Essential cookies are used to support core website functions such as navigation, form submission, security, and other necessary website functionality.

Analytics and Performance Technologies

We may use analytics and similar technologies to understand how visitors interact with our website, including information such as pages viewed, general traffic patterns, browser type, device information, and website usage.

This information helps us evaluate website performance and improve our website, services, and user experience.

Managing Cookies

You can control or disable cookies through your web browser settings. You may also be able to delete cookies that have already been stored on your device.

Disabling certain cookies may affect the functionality or availability of some features of our website.

CafeHealth does not use cookies to collect or track SMS opt-in consent across unrelated third-party websites. SMS opt-in information and consent records are maintained separately from general website analytics and are not used for unrelated marketing purposes.

4. Text Messaging (SMS) Privacy and Consent

If you provide your mobile phone number to CafeHealth through our website, forms, web chat, service requests, or other customer interactions and provide the appropriate consent, you may receive text messages from CafeHealth.

Depending on your request and the consent you provide, messages may include:

Responses to inquiries or form submissions.

Appointment and consultation reminders.

Service-request confirmations and updates.

Account or service-related notifications.

Customer support communications.

Renewal or other important service notifications.

Marketing or promotional messages where you have separately consented to receive them.

Message frequency may vary. Message and data rates may apply.

You may reply STOP to any CafeHealth text message to opt out of SMS communications. You may reply HELP for assistance.

Consent to receive text messages is not a condition of purchasing or receiving any goods or services from CafeHealth.

CafeHealth maintains records of SMS consent and opt-in information for the purpose of providing the messaging services requested by the customer.

SMS opt-in data and consent records will not be sold, licensed, or shared with third parties or affiliates for their own marketing or promotional purposes.

5. How We Share Information

CafeHealth does not sell your personal information.

We may share information when reasonably necessary to provide our services, operate our business, comply with legal requirements, or protect our rights.

This may include sharing information with:

Service Providers

Third-party service providers and subcontractors that perform services on our behalf, such as hosting providers, technology providers, payment processors, benefits administration platforms, communication providers, and other business service providers.

These providers may access information only as reasonably necessary to perform services for CafeHealth and are expected to maintain appropriate confidentiality and security protections.

Employers and Plan Sponsors

We may share information with employers or plan sponsors when necessary to administer or support a benefits plan or service.

Government Authorities

We may disclose information to regulators, government agencies, law enforcement, courts, or other authorities when required or permitted by applicable law.

Business Transfers

If CafeHealth is involved in a merger, acquisition, reorganization, financing, sale of assets, or similar business transaction, information may be transferred as part of that transaction, subject to applicable privacy requirements.

SMS Consent Information

SMS opt-in information and consent records are not shared with third parties or affiliates for their own marketing or promotional purposes.

6. Your Choices and Rights

You may have certain choices regarding the personal information we maintain about you, subject to applicable law.

SMS Communications

You may reply STOP to opt out of SMS communications or HELP for assistance.

Marketing Emails

You may unsubscribe from marketing emails by using the unsubscribe link included in the email.

Website Forms

Where consent is requested for marketing or SMS communications, the applicable consent option should be presented separately and should not be required to submit a service request or receive customer support.

Cookies

You may manage or disable cookies through your browser settings. Disabling cookies may affect certain website functionality.

7. Data Security

CafeHealth maintains administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, or disclosure.

Where applicable, CafeHealth maintains safeguards designed to protect Protected Health Information consistent with applicable HIPAA requirements and applicable Business Associate Agreements.

However, no method of transmission over the Internet or electronic storage system can be guaranteed to be completely secure.

8. Data Retention

We retain personal information for as long as reasonably necessary to:

Provide our services.

Maintain business and customer records.

Fulfill contractual obligations.

Comply with legal and regulatory requirements.

Resolve disputes.

Enforce applicable agreements.

Protect our legitimate business interests.

Retention periods may vary depending on the type of information and the applicable legal or business requirements.

9. Children's Privacy

Our services and website are not directed to individuals under the age of 18.

We do not knowingly collect personal information from children under 18. If we learn that we have collected personal information from a child without appropriate authorization, we will take reasonable steps to delete the information.

10. Third-Party Websites and Services

Our website may contain links to third-party websites, platforms, or services.

Those third-party websites and services operate under their own privacy policies and terms. CafeHealth is not responsible for the privacy practices, security, or content of third-party websites.

We encourage you to review the privacy policies of third-party services before providing them with personal information.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our services, technology, legal requirements, or privacy practices.

When we make changes, we will update the Effective Date at the beginning of this Privacy Policy.

Material changes may also be communicated through our website or other appropriate channels.

12. Contact Us

If you have questions about this Privacy Policy or our privacy practices, you may contact CafeHealth, LLC.

CafeHealth, LLC
3015 E Weldon
Phoenix, Arizona 85016

Website: mycafehealth.com

13. SMS Consent and Privacy Commitment

CafeHealth respects your choices regarding text messaging.

SMS communications are sent only in accordance with applicable consent requirements and the preferences you provide to us.

We do not sell SMS opt-in information or use SMS consent information for unrelated marketing purposes.

You may opt out of SMS communications at any time by replying STOP to a CafeHealth text message. You may reply HELP for assistance.