Legal

Privacy Policy

Effective January 1, 2026  ·  Buffer Benefits, LLC

Your privacy matters to us. This policy explains what information we collect, how we use it, and what rights you have — written in plain English, not legalese.

1. About This Policy

This Privacy Policy applies to Buffer Benefits, LLC ("Buffer," "we," "us," or "our") and covers personal information collected through our website at bufferinsurance.com and any other websites, forms, or services we operate.

By using our website or submitting information through our forms, you agree to the practices described in this policy. If you do not agree, please do not use our website or submit personal information to us.

2. Information We Collect

Information you provide directly

When you fill out a form, request a quote, download a resource, or contact us, we may collect:

Information collected automatically

When you visit our website, our servers and analytics tools may automatically collect:

Cookies

We use cookies — small data files stored on your device — to understand how visitors use our site and to improve your experience. You can control cookie settings through your browser preferences. Disabling cookies may affect some site functionality.

3. How We Use Your Information

We use the information we collect to:

We will not use your information for purposes materially different from those listed above without first obtaining your consent.

4. Insurance-Specific Data Sharing

As an independent insurance brokerage, the nature of our work requires sharing certain personal information with third parties in order to serve you. Specifically:

Insurance carriers

When you request a quote or apply for coverage, we will share relevant personal and health information with the insurance carriers necessary to obtain that quote or process your application. This sharing is a required part of the insurance process and is done solely to serve your coverage needs.

Medicare and CMS requirements

If you inquire about Medicare products, your information may be handled in accordance with requirements set by the Centers for Medicare & Medicaid Services (CMS). We operate as a Third-Party Marketing Organization (TPMO) under CMS guidelines. Please refer to the Medicare Disclosure at the bottom of our website for additional required disclosures.

Our agent network

If you are matched with or referred to one of our licensed independent agents, your contact information may be shared with that agent for the purpose of fulfilling your insurance request. All agents in our network are bound by applicable privacy and licensing requirements.

5. Third-Party Service Providers

We work with trusted third-party service providers who help us operate our business. These may include:

These providers are given access only to the information necessary to perform their services and are required to protect your information in a manner consistent with this policy. We do not sell your personal information to third parties.

6. Texas Privacy Rights

If you are a Texas resident, you have rights under the Texas Data Privacy and Security Act (TDPSA), effective July 1, 2024. These rights include:

To exercise any of these rights, please contact us using the information in Section 10 below. We will respond to verified requests within the timeframes required by law.

7. Your Rights and Choices

Access and correction

You may request access to the personal information we hold about you or ask us to correct any inaccurate information by contacting us directly.

Opt-out of marketing communications

You may unsubscribe from our marketing emails at any time by clicking the unsubscribe link in any email or by contacting us directly. Opting out of marketing communications will not affect communications related to services you have requested.

Do Not Track

Some browsers include a "Do Not Track" setting. Our website does not currently respond to Do Not Track signals, but you may control data collection through your browser's cookie settings.

8. Data Security

We take reasonable and appropriate measures to protect your personal information from unauthorized access, loss, misuse, or disclosure. These measures include secure data transmission, access controls, and regular review of our data practices.

However, no method of electronic transmission or storage is completely secure. While we work hard to protect your information, we cannot guarantee absolute security. In the event of a data breach affecting your rights, we will notify affected individuals as required by applicable law.

9. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes described in this policy, comply with our legal obligations, resolve disputes, and enforce our agreements. When information is no longer needed, we take reasonable steps to securely delete or de-identify it.

10. Children's Privacy

Our website is not directed at children under the age of 13. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately and we will take steps to delete it.

11. Third-Party Links

Our website may contain links to third-party websites, including insurance carrier sites and government resources. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before submitting any personal information.

12. Business Transfers

In the event that Buffer Benefits, LLC is acquired, merged, or its assets are transferred, personal information we hold may be included in the transferred assets. We will provide reasonable notice before personal information becomes subject to a materially different privacy policy.

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the effective date at the top of this page. Your continued use of our website after changes are posted constitutes your acceptance of the updated policy.

We encourage you to review this policy periodically.

14. Contact Us

If you have questions, concerns, or requests related to this Privacy Policy or the handling of your personal information, please contact our Data Protection Officer:

Data Controller & DPO

Cody Franklin

Chief Operating Officer, Buffer Benefits, LLC

(214) 238-9436

bufferinsurance.com/contact-us

Mailing Address

Buffer Benefits, LLC

550 Reserve Street, Suite 250

Southlake, TX 76092