Who operates this site
Business Health Insurance Guide is operated by Nofo Times LLC. The site provides educational articles and planning calculators for small employers. We are not a health insurance carrier, broker, agent, state marketplace, the federal Health Insurance Marketplace, benefits administrator, law firm, tax adviser, or payroll provider.
Questions about this Privacy Policy can be sent to info@businesshealthinsuranceguide.com.
Information you provide directly
You may choose to contact us by email or through links on the site. If you do, we may receive your name, email address, message, the page you are asking about, and any other information you decide to include.
Please do not send medical information, Social Security numbers, dates of birth, employee census files, payroll records, tax returns, insurance applications, health conditions, claim details, or other sensitive employee or company documents. This site is not designed to receive or safeguard that kind of information.
Calculator inputs
The calculators on this site are designed as planning tools. In the standard static-site version, the numbers you enter into the calculators are processed in your browser to show an estimate. They are not a quote application and are not intended to collect enrollment, health, payroll, tax, or employee census information.
If future versions of the site add saved results, downloadable summaries, contact forms, broker referrals, or advertising tools, this policy should be updated before those features are used.
Automatically collected information
Like most websites, hosting providers and basic analytics tools may collect technical information such as IP address, browser type, device type, referring page, pages visited, approximate location, date and time, and error logs. This information helps operate the site, diagnose problems, understand which pages are useful, and protect the site from abuse.
Cookies, analytics, and advertising
The site may use cookies or similar technologies for site functionality, traffic measurement, analytics, performance monitoring, affiliate tracking, or advertising if those tools are added. Browser settings usually allow you to block or delete cookies. Blocking cookies may affect some site features.
If Google Analytics, advertising networks, affiliate platforms, or similar third-party tools are added, those services may collect information under their own privacy policies. We do not control the privacy practices of third-party websites or services.
How information may be used
- To respond to messages, corrections, or technical issues.
- To improve calculators, guides, navigation, and page clarity.
- To monitor site performance and security.
- To comply with legal obligations or enforce site terms.
- To evaluate advertising, affiliate, or sponsorship performance if those programs are added.
How information may be shared
We do not sell personal information that readers submit by email. Information may be shared with service providers that help operate the site, such as hosting, email, analytics, security, or professional advisers. We may also disclose information if required by law, to protect rights or security, or in connection with a business transfer involving the site or Nofo Times LLC.
Third-party links and official sources
The site links to official government resources, state marketplaces, carriers, administrators, brokers, benefits platforms, and other third-party websites. Those sites have their own privacy policies and may collect information differently. Review their policies before submitting quote, enrollment, tax, or personal information.
Children's privacy
This site is intended for adults researching small-employer benefits. It is not intended for children under 13, and we do not knowingly collect personal information from children.
Security and retention
No website or email system can guarantee perfect security. We use reasonable operational practices for a small informational website, but readers should avoid sending sensitive personal, medical, payroll, or employee data. We keep contact messages and operational records only as long as reasonably needed for the purposes described here, unless a longer period is required or appropriate.
Your choices
You can contact us to ask for correction or deletion of information you previously sent to us, subject to legal, security, backup, or operational needs. You can also use browser controls to manage cookies and tracking technologies.
Policy updates
We may update this Privacy Policy as the site changes. The version posted on this page is the current version for the site.
Health information and HIPAA
This site is not intended to operate as a health plan, health care provider, health care clearinghouse, broker enrollment system, or benefits administrator. We do not want readers to send protected health information, medical histories, claim files, prescriptions, diagnoses, or employee-specific health information. If you need help with those records, use the secure process provided by your carrier, broker, marketplace, employer, administrator, attorney, or health professional.
State privacy rights
Depending on where you live, privacy laws may give you rights to request access, correction, deletion, portability, or limitation of certain personal information. Because this site is a small informational website and not a quote platform, the personal information we receive is usually limited to voluntary contact messages and technical logs. You can email info@businesshealthinsuranceguide.com with a privacy request, and we will review it based on the information we have and the law that applies.
Do Not Track and global privacy signals
Some browsers send “Do Not Track” or similar signals. The site may not respond to every browser signal in a uniform way. If analytics, advertising, or affiliate tools are added, readers should also use browser, device, and third-party opt-out settings provided by those services.
Email is not a secure benefits portal
Email is useful for corrections and site feedback, but it is not a secure place to send employee census spreadsheets, payroll records, enrollment forms, tax returns, or health details. If a broker, carrier, marketplace, PEO, or HRA administrator needs those records, use the secure upload or communication method that organization provides.