Privacy Policy

This Privacy Policy governs the manner in which Snap Administrators LLC (“Snap,” “we,” “us,” or “our”) collects, uses, maintains, and discloses information collected from users (“you” or “your”) of the SnapAdministrators.com website and any related pages, features, portals, or application services that we make available (collectively, the “Website”). This Privacy Policy applies to all users of our Website and related services (“Services”), including third-party payment portal access.

Snap provides billing and administrative services on behalf of voluntary benefit plan administrators and benefit carriers. The Services are intended for use by members who elect to participate in such plans through their school district, employer, or association benefit program, and who have authorized Snap to process recurring payment transactions based on enrollment data provided by a designated benefit broker or enrollment representative.

By accessing our Website or using our Services, you acknowledge that you have read, understood, and agreed to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Website or Services.

Snap does not knowingly collect or solicit personal information from anyone under the age of 18 or knowingly allow such persons to use our Services. If we discover that we have collected personal information from a person under 18 without parental consent, we will delete that information promptly. If you believe we may have collected such data, please contact us at Contact@snapadministrators.com.

1. Introduction

Snap Administrators LLC (“Snap,” “we,” “us,” or “our”) is committed to protecting your privacy. This policy explains how we collect, use, share, and secure personal information you provide through the SnapAdministrators.com portal (the “Website”) and related billing services (the “Services”).

By using the Website or Services, you consent to the practices described here. If you are under 18, please do not use our Services or provide personal data. If we learn we collected data from someone under 18, we will delete it promptly.

(Contact: Contact@snapadministrators.com)

2. Information We May Collect

Personal Information Provided by You: This may include your full name, mailing address, email address, phone number, date of birth, and other identifiers necessary to authenticate your identity and manage your benefit billing. We may also collect your employer or association affiliation, coverage start date, enrollment tier (e.g., individual or family), and relevant employment or eligibility status as communicated by your enrollment agent or benefit representative.

• Information You Provide: Name, email, address, phone, and portal login credentials.
• Enrollment Data: Benefit plans, insurance coverage types, and carriers you are enrolled in, as provided by your designated employer, union, association enrollment agent, broker or designated representative.
• Payment Metadata: Limited payment reference data (e.g., payment status, timestamp, last four digits of account) as provided to Snap by our third-party payment processor.
• Transaction Data: Billing amounts, benefit elections sent by your enrollment agent.
• Usage & Technical Data: IP address, browser details, device type, login history, activity logs.

3. How We Use Your Information

• Facilitate benefit billing and monitor payment activity.
• Authenticate your identity and secure your portal access.
• Communicate updates, reminders, notices, or account issues.
• Enhance and maintain system performance and user experience.
• Comply with legal obligations or respond to lawful requests.

4. No Direct Financial Data Handling

Snap does not directly collect, store, or access your full bank account, credit card, or debit card information. All sensitive financial information is submitted by you directly through a secure, third-party payment processor integrated with our portal. Snap receives only limited transaction metadata (such as payment confirmation, timestamps, or the last four digits of an account) sufficient to confirm and reconcile billing activity. Snap is not responsible for the collection, transmission, processing, or storage of payment credentials.

5. Disclosure of Your Information

We may share your data with:

• Service Providers: Including our secure payment processor, hosting companies, analytics, and security support providers.
• User’s Enrollment Agents, Brokers, Employers, Unions, Associations: To reconcile billing and coverage data.
• Insurers/Benefit Carriers: As needed to remit payments or facilitate eligibility.
• Legal Authorities: When required by law or to enforce our agreement.
• Business Transfers: In case of merger, sale, or reorganization—under confidentiality obligations.

We do not sell or rent your personal information for marketing purposes.

6. Data Security

We make reasonable efforts to secure your information; however, no method of transmission over the internet or method of electronic storage is 100% secure. Therefore, while we strive to protect your personal data, we cannot guarantee its absolute security. You acknowledge and agree that you access and use the Services at your own risk.

To the fullest extent permitted by law, you agree to hold Snap harmless for any claims, losses, or damages arising from unauthorized access, disclosure, alteration, or destruction of your data resulting from causes beyond our control, including but not limited to acts of third parties, service outages, or cyberattacks.

We implement administrative, technical, and physical safeguards to protect your personal information. Sensitive payment data is handled exclusively by our third-party payment processor in compliance with industry standards. Snap does not view, store, transmit, or control this data directly and is not subject to PCI-DSS or similar payment data regulations.

7. Cookies and Non-Personal Information

We may collect non-personally identifiable information about you when you interact with our Website. This may include your browser type, language preference, referring site, and the date and time of each visitor request. This information is collected to better understand how visitors use our Website and to improve the user experience.

Our Website may use "cookies" to enhance the user experience. A cookie is a small text file placed on your device by a web server. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent. However, some parts of the Website may not function properly if you do so.

We do not use cookies to track individual users or to collect personal information without your consent. Cookies may be used to maintain session information, authenticate users, and support basic Website functionality.

Sharing of Non-Personal Information

We may share aggregated or anonymized non-personal information with our analytics providers, IT service partners, and other vendors that support the operation of our Website and Services. These entities are contractually obligated to use such information only in accordance with our instructions and applicable data protection laws. None of the data shared can be used to directly identify you.

8. Data Retention

We retain your personal data as necessary to fulfill the purposes above, to comply with laws, and to resolve disputes. When no longer needed, we securely delete or anonymize it.

9. Online Communication Practices

We may use your personal information to contact you via email, SMS text messaging, or through the portal about account status, reminders, notifications, and other communications related to your use of the Services. You agree and consent to receive such communications as part of using the Services.

You may opt out of certain communications by following the unsubscribe instructions in an email or contacting us at Contact@snapadministrators.com. Please note that opting out of essential communications (e.g., payment reminders or account-related notices) may impact your ability to use the Services.

These communications may be delivered through automated systems and may include reminders related to payment status, account verification, system updates, or changes in benefit deductions. We are not responsible for any message delivery failures or delays caused by your service provider.

10. Your Rights & Choices

Depending on jurisdiction, you may have rights including:

• Accessing, correcting, or deleting your data
• Restricting or objecting to specific uses
• Withdrawing consent, where applicable
• Request by emailing Contact@snapadministrators.com.

Note: We may need to suspend your account if you withdraw consent for essential processing.

11. Third-Party Links

Our Website may link to third-party sites not operated by Snap. We are not responsible for their privacy practices. Review their policies before providing any personal data.

12. International Transfers

Your data may be processed or stored outside your country (e.g., in the U.S.). We ensure transfers comply with applicable laws using contractual or other legal mechanisms.

13. Children’s Privacy

Our Services are not directed at minors. If you believe we have collected data from someone under 18, please contact Contact@snapadministrators.com, and we will delete it promptly.

14. Disclaimer of Responsibility for Third-Party Data

Snap processes data it receives from third-party enrollment agents, benefit brokers, and employer groups. We are not responsible for the accuracy, completeness, or timeliness of data submitted by those third parties. Any discrepancies or issues must be addressed with the originating party.

15. Limitation on Accuracy Guarantees

While we make reasonable efforts to maintain the accuracy of your account and billing records, Snap does not warrant that all data on the portal reflects the most current enrollment or benefit changes unless provided by your designated representative.

16. Consent to Continue Processing Upon Employment or Enrollment Changes

If your employment status changes, or your benefit elections are modified or cancelled, Snap will continue processing payments unless and until updated instructions are received from your enrollment agent, broker, or designated representative.

17. Acknowledgment of Subscription-Based Billing

By using Snap’s Services, you acknowledge that payments for elected benefits are processed on a recurring basis, as part of a subscription arrangement based on your authorized enrollment. This billing continues until Snap receives modified enrollment data through appropriate channels.

18. Indemnification

You agree to indemnify and hold harmless Snap Administrators from any claims, investigations, or liabilities arising from your failure to provide accurate information, misuse of the portal, or disputes between you and third-party enrollment entities.

19. No Waiver Clause

Snap’s decision not to enforce any part of this Privacy Policy in a specific instance does not constitute a waiver of its right to enforce such provisions in the future.

20. Changes to This Policy

We may update this policy; changes will be effective upon posting on the Website. Significant changes will be communicated by email or portal notice. Continued use implies acceptance of updated terms.

21. Contact Information

For privacy-related concerns or questions, contact us at:
Email: Contact@snapadministrators.com