Privacy Statement
National Guardian Life Insurance Company (NGL), dba BrightBenefits, is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the BrightBenefits site and governs data collection and usage. By using the BrightBenefits site, you consent to the data practices described in this statement.


Collection of your Personal Information
BrightBenefits collects personally identifiable information, such as your email address, name, home or work address or telephone number. BrightBenefits also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by BrightBenefits. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used by BrightBenefits for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the BrightBenefits site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through BrightBenefits public message boards, this information may be collected and used by others. Note: BrightBenefits does not read any of your private online communications.

BrightBenefits encourages you to review the privacy statements of Websites you choose to link to from BrightBenefits so that you can understand how those Websites collect, use and share your information. BrightBenefits is not responsible for the privacy statements or other content on Websites outside of the BrightBenefits and BrightBenefits family of Websites.


Use of your Personal Information
BrightBenefits collects and uses your personal information to operate the BrightBenefits Website and deliver the services you have requested. BrightBenefits also uses your personally identifiable information to inform you of other products or services available from BrightBenefits and its affiliates. BrightBenefits may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

BrightBenefits does not sell, rent or lease its customer lists to third parties. BrightBenefits may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (email, name, address, telephone number) is not transferred to the third party. In addition, BrightBenefits may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to BrightBenefits, and they are required to maintain the confidentiality of your information.

BrightBenefits does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

BrightBenefits keeps track of the Websites and pages our customers visit within BrightBenefits, in order to determine what BrightBenefits services are the most popular. This data is used to deliver customized content and advertising within BrightBenefits to customers whose behavior indicates that they are interested in a particular subject area.

BrightBenefits Websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on BrightBenefits or the site; (b) protect and defend the rights or property of BrightBenefits; and, (c) act under exigent circumstances to protect the personal safety of users of BrightBenefits, or the public.


California Consumer Privacy
If you are a California Resident, please read our CCPA Privacy Policy to learn about how we collect, share and use personal information, along with the rights you have when the CCPA applies to your personal information.


Use of Cookies
The BrightBenefits Website use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize BrightBenefits pages, or register with BrightBenefits site or services, a cookie helps BrightBenefits to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same BrightBenefits Website, the information you previously provided can be retrieved, so you can easily use the BrightBenefits features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the BrightBenefits services or Websites you visit.


Security of your Personal Information
BrightBenefits secures your personal information from unauthorized access, use or disclosure. BrightBenefits secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Websites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.


Changes to this Statement
BrightBenefits will occasionally update this Statement of Privacy to reflect company and customer feedback. BrightBenefits encourages you to periodically review this Statement to be informed of how BrightBenefits is protecting your information.


Contact Information
BrightBenefits welcomes your comments regarding this Statement of Privacy. If you believe that BrightBenefits has not adhered to this Statement, please contact BrightBenefits at We will use commercially reasonable efforts to promptly determine and remedy the problem.