Processing Terms and Conditions

General Understanding
If using Omega Benefit Strategies for Electronic Funds Transfers: I authorize Omega
Benefit Strategies, LLC (“OBS”) to perform electronic funds transfer (EFT) debits from the
account that I indicate, and I authorize my financial institution to debit from the account
for payments due as described by the instructions I have provided to OBS. I understand
that the funds, less the Service Fee(s), will be used to make payments to my billers
(identified by me and acceptable to OBS) in the amount(s) that I indicate. I acknowledge
that if any EFT attempt is returned/declined resulting in insufficient funds to pay my bill(s)
in full, then my bills may not be paid, and that punitive action may be taken by my billers, up to and including late fees and cancellation. If using OBS for Direct Deposits: I have authorized another party (“Originator”) to send
funds to OBS where the funds will be placed into the Holding Account designated for me. I
attest and understand that the funds, less the Service Fee(s), will be used to make
payments to my billers (identified by me and acceptable to OBS). I understand that my bills
may be affected if I cancel this Direct Deposit Authorization or if the Originator cannot or
will not perform the Direct Deposit on my behalf. This authorization is to remain in effect until the Originator has received written
notification from me of its cancellation. I may cancel this authorization at any time;
however, I must allow my Originator a reasonable time to act upon the cancellation notice. OBS’s function: I acknowledge that OBS is functioning as a Collector on the behalf of me, my employer, my Biller(s), a group within which I am a member, or any combination of
these entities. As such, OBS will only draft or accept deposits for specific amounts needed
in response to an invoice/bill. OBS will NOT intentionally accumulate funds other than for
the express purpose of remitting the funds to my Biller(s). Communications: I understand and acknowledge that: (a) OBS will communicate with me
via email and/or cell phone text messages, (b) I am required to provide one or both of
these to OBS, (c) OBS will use these as the primary means of communicating with me, (d) if
I do not supply a valid email and/or cell phone number, then OBS has no obligation to
communicate with me by other means, (e) if I change my email or cell phone number, I
must provide the new information to OBS, and (f) OBS is not responsible for any costs, fees, or charges related to my email and/or cell phone communications. I further
understand and acknowledge that when communicating with OBS, in any form, OBS may, at its sole discretion record, copy, and save all communications without limitation.

Processing Rights and Obligations: This Processing Terms and Conditions Agreement
describes your rights and obligations as a user of Omega Benefit Strategies, LLC (“OBS”)
and its processing services (“OBS Services”). Use of the OBS Services indicates acceptance
of terms and conditions set forth in the Processing Terms and Conditions Agreement
(“Agreement”), as each may be amended from time to time. This Agreement is provided in
electronic form, and by using the OBS Services you agree to accept the Agreement in that
form. Please read the Agreement carefully because it is our legal agreement with you that
governs your use of OBS Services. You may use OBS Services to direct OBS to make withdrawals from your checking, credit, or debit card account, or receive deposits into your Holding Account (“Funding Events”). You may also use OBS Services to make payments from your designated Holding Account
to the “Billers” you choose in accordance with this Agreement (“Bill Payments” or “Payment
Events”). Funding and Payment Events are collectively known herein as “Transactions”. The
terms and conditions of this Agreement are in addition to the account agreements, disclosures, fee schedule and other documents in effect from time to time governing your
Account, Holding Account and Transactions. Instructions: Instructions for how OBS is to process Funding and Payment Events must be
provided to us on standardized forms (“Instructions”), either in print or digital format, and
must include enough information to allow us to process your requests. Instructions may be
supplied to OBS by you, your employer, or your insurance agent (“Agent”). These
Instructions must include information that identifies you, your contact information, your
Account, the amounts of Funding Events, the amounts of Payment Events, your billing
account number, the Fees, the frequency of each event, your signature (in either written or
electronic form), and any other information required by OBS. If the OBS Services are being
offered to you through your employer, then you may be required to attest that you are an
employee of the employer by initialing the “I attest…” statement on the Instructions, if
available. If you are endorsing this Agreement by means of an electronic signature, then
your digital signature shall serve as your attestation that you are employed by your
employer at the time of your acceptance. Electronic Signature Disclosure: Signature is being made available to you as a
convenience. When you submit your signature electronically, OBS will require a closed-
loop, multi-phase authorization process. The process requires that (a) the details of the
transaction will be entered into OBS’s (or its delegated) system, (b) an electronic request
for authorization will be sent to you at a private location that is accessible only by you, and (c) you will respond to said request thereby completing the authorization process
wherein your response shall constitute your consent to this electronic format. Pursuant to
the Electronic Signatures in Global and National Commerce Act Section 101(b), you are
NOT required to use this method and a secure form will be made available to you. Account: If you direct OBS to make withdrawals, you must designate an account from
which the withdrawals are to be made. By using OBS Services, you agree that, based upon instructions received under your signature or electronic signature, which may be fulfilled
by User ID (PIN) returned by your cell phone or e-mail, we can charge your designated
account (“Account”) by debiting funds on your behalf. If you direct OBS to accept deposits, you must obtain a Holding Account number from OBS and provide instructions to the
originator. Any failure by you to do so will not create an obligation or liability on OBS. Holding Account: Because many Funding Events occur prior to Payment Events, OBS
assigns an account number to you (“Holding Account”). Once funds are placed into the
Holding Account, they are the property of the Biller(s) and are “at rest” before being passed
to the Biller(s). This three-stage process of Funding Events, funds at-rest, and Payment
Events is called the Pass-Thru process. Biller(s) may under certain circumstances, and at
their sole discretion, allow OBS to refund these funds back to you. The term Holding
Account as used herein means a unique key for tracking the ingress or egress of funds
during the Pass-Thru process. A Holding Account is NOT an actual account of any kind and
specifically is NOT a depository account, a demand deposit account, an interest-bearing
account, nor an open-to-buy account. Each Transaction will result in an increase or decrease in the balance of your Holding
Account. Recurring Funding Events: A recurring Funding Event is one that is automatically
scheduled by the OBS Service or your deposit originator. Based upon your selected
frequency settings, a processing date is calculated for the next occurrence of the Funding
Event. If OBS is withdrawing funds from your Account, then OBS will initiate the Funding
Event on the specified date. If OBS is withdrawing funds from your Account, please
consider the following as you select your frequency settings:  How you are paid:  If you are paid by direct deposit, you should make the frequency on the day following
your payday.  If you are paid by cash or check, you should allow time for you to make your deposit
into your Account. Generally, we recommend this as two days following your payday.  How we make withdrawals:  If by credit, debit, or prepaid card then you will be notified immediately by email if
there is a problem. This should not create an overdraft on your Account since as each
Funding Event is authorized.  If by prepaid card, this must be your permanent card and not the starter card.  If by e-check then there will be a delay as your bank has up to 5 Business Days to
process our request, and you may not be notified if there is a problem. Though initiated on schedule, your bank may not post to your account for up to 10 days – be sure to deduct the designated amount from your account on the scheduled date. Available Funds for Funding Events: You agree to have available funds on deposit in your
Account in amounts sufficient to complete the Funding Events initiated by OBS. OBS
reserves the right, without liability, to suspend your Funding Events if you fail to comply with the above requirement or any other terms of this Agreement, and you acknowledge
that if OBS suspends your Funding Events, then OBS’s obligations to remit payments to
your biller(s) is nullified and you are solely responsible for all future payments. You
understand and acknowledge that if you fail to comply with this requirement that your
bills will not be paid by OBS, and that punitive action may be taken by your billers, up to
and including late fees, cancellation, or termination of coverage and/or service. OBS shall
not be liable for any fees charged by your financial institution, whatsoever, including those
caused as the result of a Funding Event. Rerunning failed Funding Events: You agree that if a Funding Event fails OBS may, at its
sole discretion, rerun the failed Funding Event at any time within thirty (30) days of the
notice of failure. After thirty (30) days, OBS will not rerun a failed Funding Event unless
instructed to do so directly by you, or indirectly by you through your Agent contacting OBS
on your behalf. Authorization to rerun may be done via phone, email, fax, or letter by
either you or your Agent. OBS shall not be liable for any fees charged by your financial
institution, whatsoever, including those caused as the result of this Funding Event. Modifying a Funding Event: You may modify your instructions to us at any time by
contacting us provided you allow us ample time to make the modification. Your
modification request may require you to submit the request in writing. For instance, if you
change your banking information or increase your draft amount, you must submit these to
us in writing. You acknowledge and agree to allow OBS to modify the Funding Event
instructions and amounts in the following conditions:
(a) If the OBS Service Fee is omitted, OBS may add this to instructions and adjust the total, (b) if a mathematical error was made in adding the individual amounts shown in the
instructions such that the total amount shown is not equal to the sum of the individual
items, OBS will correct math, (c) If the amount billed by the Biller is different than the amount shown in the instructions
and the difference between these amounts is less than five dollars ($5.00) per Funding
Event.
(d) A Product you purchased has an increase based on your age, income, or other factors, and to which you agreed with the seller about said changes. (e) A Product you purchased automatically cancels due to your age, another member’s age, or other factors to which you agreed with the seller about said changes. (f) the account number provided is not valid, illegible, or returned by your financial
institution as an error, and you provide a revision by any means, whether by phone, mail, e-mail, or facsimile, then OBS will make the account number correction; however, if you change the account, supplying us with an alternate account, then you will be required to
submit this change in writing to OBS. These terms were last updated on June 21, 2019
If OBS makes a modification, then you will be notified by email. If you do not have an
email address on file with OBS, or if your email address is not valid, then OBS will not
make the modification. OBS will allow you ample time to receive this email and contact us
if necessary to approve or decline the modification, however, if you do not respond, then
OBS will process the Funding Event as if approved by you. Cancelling a Funding Event: To cancel a Funding Event that you have scheduled through
OBS, you must contact OBS with a cancellation request before the cut-off time (1:00 p.m. Eastern Time) two (2) days prior to the date the Funding Event is scheduled to be
processed. To cancel a Funding Event that you scheduled through a deposit originator, you
must contact the deposit originator. To cancel a Funding Event you may contact us by
telephone at 508-986-9359 or by email at premium@omegabfs.com or in writing at the
address shown at the bottom of this Agreement. You must allow OBS ample time to
process your request. OBS may cancel Funding Events as outlined in the Section labeled, “Termination.” Stop Funding Events: Once a Funding Event has been initiated you will not be able to stop
it. Once a Funding Event has debited from your Account, you cannot cancel or stop it. To
stop a Funding Event, you may contact us by telephone at 508-986-9359 or by email
at premium@omegabfs.com or in writing at the address shown at the bottom of this
Agreement. You must allow OBS ample time to process your request. Biller: You must designate the complete name of the Biller, the Biller account number, and
the Biller’s remittance address, exactly as shown on the billing statement or invoice. We
reserve the right to accept or reject any Biller designated by you. If we do so, we will notify
you promptly. You hereby agree and authorize us to utilize the most effective means to
process your Transactions, including, without limitation, electronic, paper, or other
remittance means. You may only pay Billers pre-approved by OBS. For a complete list of
approved Billers, email premium@omegabfs.com and request a list. Bill Payments: In scheduling Payment Events, OBS does not use the payment due date. OBS will remit payments on a date between the payment due date and the payment grace
period as allowed by the Biller (“Remittance Date”). Payments will be processed on the
Business Day (generally Monday through Friday, except certain holidays) that is designated
as the payment’s processing date. Payments due on a non-business date (generally
weekends and certain holidays) as the payment’s processing date will be processed on the
first Business Day following the designated processing date. OBS will calculate the
estimated arrival date of your Payment Events. This is only an estimate. Please allow
ample time for your Payment Events to reach your Billers.

Authorization and Event Processing: You represent and warrant that you are acting with
full authority, and that you are duly authorized to execute this Agreement. By providing
OBS with Instructions, you authorize OBS to follow the Instructions. Modification of the
Credit/Debit card Expiration Date, whether given orally or in writing, shall be treated as an
extension of this authorization. When OBS receives a Payment Instruction, you authorize OBS to debit your Holding
Account and remit funds on your behalf so that the funds arrive as close as reasonably
possible to the due date. OBS will use its best efforts to make all your payments properly. However, OBS shall incur
no liability if OBS is unable to complete any Payment Event because (1) your Holding
Account does not contain sufficient funds to complete the Transaction, (2) the Instructions
do not allow OBS to clearly identify your account on the bill, (3) you are not on the bill or
are not identifiable on the bill, (4) the payment processing center is not working properly
and you know or have been advised by OBS about the malfunction, (5) you have not
provided OBS with the correct Instructions, and/or, (6) circumstances beyond control of
OBS(such as, but not limited to, fire, flood, or interference from an outside force) prevent
the proper execution of the Transaction. Available Funds for Bill Payments: You agree to have available and collected funds on
deposit in your Holding Account in amounts sufficient to complete all Payment Events
requested on the Remittance Date. OBS reserves the right, without liability, to reject or
reverse a Payment Event if you fail to comply with the above requirements or any other
terms of this Agreement. If you do not have sufficient funds in the Holding Account, you
acknowledge that your Bill Payment will be limited to the balance in your Holding
Account, and may be used to partially pay the bill up to, but not to exceed the balance in
your Holding Account. If multiple payments are being made to a single Biller, and your
Holding Account lacks sufficient funds to pay all payments in-full, then OBS will, at its sole
discretion, determine the priority and amount of each payment, and OBS will not be liable
for any adverse effect caused by its determination of the priority or amount remitted for
each payment item. If multiple payments are being made to more than one Biller, and your
Holding Account lacks sufficient funds to pay all payments in-full for all Billers, then OBS
will, at its sole discretion, determine the priority and amount of each payment, and OBS
will not be liable for any adverse effect caused by its determination of the priority or
amount remitted for each payment item. Any partial payment shall not represent a
satisfaction of the bill as-if paid-in-full and you are obligated to remit the unpaid portion
to the Biller. The result of a partial payment may result in adverse effects on you from the
Biller including, but not limited to, late fees and termination of coverage and/or service. OBS shall not be liable for any adverse effect that is created due to a partial payment. Excess Funds Handling: If at any time your Holding Account has an excessive balance, above and beyond what is needed for your Payment Events, OBS may refund the excess to you. OBS will attempt to contact you and refund the excess back to the account from
which it originated. If unable to return the funds to the originating account, OBS will make
a reasonable effort to find and contact you to obtain your mailing address so that a refund
check can be mailed to you. Canceling a Payment Event: To cancel a Payment Event that you have scheduled through
OBS, you must contact OBS with a cancellation request before the cut-off time (1:00 p.m. Eastern Time) two (2) days prior to the date the Payment Event is scheduled to be
processed. To cancel a Payment Event, you may contact us by telephone at 508-986- 9359 or by email at premium@omegabfs.com or in writing at the address shown at the
bottom of this Agreement. You must allow OBS ample time to process your request. Please
note that OBS may be obligated to remit the payment depending upon whether the Biller
presents your bill as a paid-in-advance or paid-in-arrears. Stop Payment Events: Once a Bill Payment has been debited from your Holding Account, you cannot cancel or stop it. To stop a Payment Event, you may contact us by telephone
at 508-986-9359 or by email at premium@omegabfs.com or in writing at the address
shown at the bottom of this Agreement. You must allow OBS ample time to process your
request. Termination: You may terminate this Agreement by written notice to OBS by email
at premium@omegabfs.com or at the following address: PO Box 730, Falmouth, Massachusetts 02540. OBS is not responsible for any Transaction made before OBS has a
reasonable opportunity to act on your termination notice. You remain obligated for any
payments made by OBS on your behalf. Any Transaction that is in-progress will be
completed, and then OBS will suspend all future Transactions. OBS reserves the right to
terminate this Agreement at any time. OBS may, at its sole discretion, terminate this
Agreement for any reason including, but not limited to:
(a) Excess Funding Failures, Disputes and Chargebacks, (b) Skipped Funding Events whether requested by you, due to temporary leave from your
employment, or any other reason causing a Funding Event to miss its regular schedule, (c) Funding Events without corresponding Payment Events within any 90-day period, (d) Problems that OBS cannot resolve on your behalf, or
(e) Any other reason without limitation. If OBS is terminating this Agreement without your knowledge, OBS will notify you via
email or cell phone text message based on the contact information on OBS’s records at the
time of termination. Fees: You agree to pay the fees and charges for your use of the OBS Service as set forth
below. The Service Fees, Other Fees, and Termination Fees constitute the Fee Schedule. Service Fee: The Fee charged is not a processing fee or surcharge, but is charged for use of
the OBS Services which includes, but is not limited to all functions necessary to manage
Funding Events, Holding Account, Payment Events, customer service, etc. The Fee is
charged to the Holding Account at the time of each Funding Event in the amount indicated
in your Instructions and is based on the frequency of the Funding Event. OBS reserves the
right to collect any uncharged or uncollected fees at any time without regard to the reason
that said fees were not charged or collected. ACH RETURN CODE FEE
R01 * – Insufficient Funds $25.00 (or the maximum amount allowed by state law)
R02 * – Account Closed $25.00 (or the maximum amount allowed by state law)
R07 * – Authorization Revoked by Customer $25.00 (or the maximum amount allowed by state law)
R08 * – Stopped $25.00 (or the maximum amount allowed by state law)
R10 * – Unauthorized $25.00 (or the maximum amount allowed by state law)
R16 * – Frozen Account $25.00 (or the maximum amount allowed by state law)
R29 * – Unauthorized $25.00 (or the maximum amount allowed by state law)
Rnn** * – $25.00 (or the maximum amount allowed by state law)
Credit/Debit/Prepaid Chargeback * $25.00 (or the maximum amount allowed by state law)
Standard Service Fee when drafting: Unless indicated otherwise on the authorization form
that you sign, this fee is charged for each Funding Event at a rate of $65.00 per year
divided by the number of expected Funding Events in a year, but not less than $5.42 per
month*. By way of example: If the Funding Event is weekly, the Fee shall be $65.00
divided by 52 weeks resulting in a Fee of $1.25 per Funding Event. Other Fees: OBS reserves the right to charge the Fees as described below. If you do not
cancel your Funding Events and OBS receives any of the ACH Return Codes shown below, then OBS may charge the Other Fee as indicated. Furthermore, if OBS receives a
chargeback request from your bank related to a debit, credit, or prepaid card, then the
Other Fee will apply. The Other Fees will be debited from your Holding Account. ** Any other Return Code not specifically identified here which indicates an unsuccessful
draft, where “nn” is an indicator of the reason for the failure. * The Fee may be paid by means other than the Holding Account, and in amounts higher or
lower than the amount shown herein, as a fixed amount or percentage of the Funding
Event or both, but only if agreed to in writing by OBS and the Payer, and properly
authorized. Termination Fees: OBS reserves the right to collect any uncharged or uncollected fees at
any time without regard to the reason that said fees were not charged or collected. OBS
also reserves the right to charge a Termination Fee equal to the greater of $25.00 or the
maximum amount allowed by state law. Closing Accounts: If you close your Account, you must contact us immediately to designate
another Account. If you fail to designate an Account, we will suspend future Transactions
and collect our Fees as defined in the Fee Schedule. Postage Fees: OBS reserves the right to charge a fee of $25.00 to cover the cost of
preparation and postage when sending a check to you. Exclusions of Warranties: THE OBSSERVICES AND RELATED DOCUMENTATION ARE
PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY
AND FITNESS FOR A PARTICULAR PURPOSE. Liability: You are liable for all Transactions approved by you or by a person that you
authorize to access the OBS Service, including a Biller, a representative of a Biller, or any
person or entity presenting Transaction instructions on your behalf, even if that person
exceeds his or her authority. You are responsible for any Transaction request you make
that contains an error or is a duplicate of another Transaction. OBS is not responsible for
any Transaction that is not made if you did not properly follow the instructions for making
a Transaction. OBS is not liable for any failure to make a Transaction if you fail to promptly
notify OBS after you learn that you have not received credit from a Biller for a Transaction. OBS is not responsible for your acts or omissions or those of any other person. OBS will
not be liable in any way for damages incurred by you due to delays in mail delivery, changes in the Biller’s address, or the failure of any Biller to account correctly for or credit
such payments in a timely manner or for any other circumstances beyond the control of
OBS. In the event you do not comply with the provisions of this Agreement, or you
schedule a Transaction closer to its due date than the minimum number of Business Days
needed to fund your Holding Account, we will have no liability and you will bear full
responsibility for all penalties, late fees and all other costs. Modifications to this Agreement: OBS has the right to change this Agreement at any time
by notice mailed to you at the last address shown for you on OBS’s records, by the last e- mail address shown for you on OBS’s records, by text message to the last cell phone
number shown for you on OBS’s records, through OBS’s website, or as otherwise permitted
by law. Continuation of Obligations: Certain of the obligations of the parties, which by their nature
would continue beyond the termination, cancellation or expiration of this Agreement shall
survive, and termination, cancelation, or expiration of this Agreement. Continuing Effect: If any provision of this Agreement is found to be unenforceable
according to its terms, all remaining provisions will continue in full force and effect. Waiver: No term or provision of this Agreement will be deemed to have been waived and
no breach excused, unless such waiver or consent to breach shall be in writing and signed
by the party claimed to have waived or consented. Any express or implied consent to any
party to, or waiver of, a breach by the other shall not constitute a consent to, waiver of, or
excuse for any other different or subsequent breach. Assignment: You may not assign this Agreement. Governing Law: This Agreement and all matters relating to your access to or use of the
OBS Services, including all disputes, will be governed by the laws of the United States of
America and by the laws of the State of Massachusetts. THE PARTIES IRREVOCABLY
SUBMIT TO THE JURISDICTION OF THE COURTS OF THE STATE OF MASSACHUSETTS AND
THE UNITED STATES OF AMERICA AND VENUE IN BARNSTABLE COUNTY
MASSACHUSETTS AND AGREE THAT ANY LEGAL ACTION OR PROCEEDING WITH RESPECT
TO THIS AGREEMENT MAY BE COMMENCED IN SUCH COURTS. THE PARTIES EACH
IRREVOCALBY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY PROCEEDING RELATED TO
THIS AGREEMENT. Disputes and Remedies: In the event of a dispute regarding the OBS Service, you and OBS
agree to resolve the dispute by looking to this Agreement. You agree that this Agreement
is the complete and exclusive statement of the agreement between you and OBS. This
Agreement supersedes any prior agreement, oral or written, and any other communications
between you and OBS relating to the subject matter of this Agreement. If there is a conflict
between what is said by any person, entity, representative, or employee of OBS or a Biller
and the terms of this Agreement, the terms of this Agreement will prevail. If OBS is
deemed to have failed to meet its obligations related to this Agreement, you acknowledge
that the sole financial remedy available to you is a refund of the funds collected by OBS on
your behalf. Complete Agreement: This Agreement constitutes the entire agreement between you and
OBS with regard to your use of the OBS Services, and any and all other written or oral
agreements or understandings previously existing between you and OBS with respect to
such use are hereby superseded and cancelled. Contact OBS: To contact OBS call 508-986-9359, or send an email to this
address: premium@omegabfs.com, or write to:
Omega Benefit Strategies, LLC
P.O. Box 730
Falmouth, MA 02540

Privacy Policy

  1. Your privacy is a high priority for OBS. Our pledge to protect your privacy is reflected in
    our Privacy Policy. We value our relationship with you and are committed to protecting the
    confidentiality of private/nonpublic personal information (P/NPI). This policy explains why
    we collect P/NPI, what we do with P/NPI and how we protect your P/NPI. Collecting data
    We collect P/NPI about you to provide you with products and services. This may include
    your name, address, telephone number(s), e-mail address(s), financial account information, and information used to identify you. We may receive P/NPI from your applications and
    forms, billers, medical providers, insurers, employers, support organizations, and service
    providers. Sharing data
    We share the types of P/NPI described above primarily with people who perform business
    and professional services for you and/or us, such as helping us detect fraud, resolve
    processing disputes, or payment issues. We may share P/NPI with your billers, medical
    providers, insurers, agents, employers, insurance support organizations, and service
    providers as needed to perform our collection and remittance services for you. The
    organization may retain the P/NPI and disclose it to others for whom it performs services. In certain cases, we may share P/NPI with for reporting and auditing purposes. We may
    share P/NPI with parties for research and study purposes. We may share P/NPI when
    otherwise required or permitted by law, such as sharing with governmental or other legal
    authorities. When legally required, we will ask your permission before sharing P/NPI about
    you. We do not sell your P/NPI to catalog companies. The law allows us to share P/NPI as
    described above (except health information) with affiliates to market products and
    services. The law does not allow you to restrict these disclosures. We may also share with
    companies that help us market our products and services, such as vendors that provide
    mailing services to us. We may share with others to jointly market products and services. When required by law, we ask your permission before we share P/NPI for marketing
    purposes. When other companies help us conduct business, we expect them to follow
    applicable privacy laws. We do not authorize others to use or share P/NPI except when
    necessary to conduct the work they are performing for us or to meet regulatory or other
    governmental requirements. The P/NPI might not be directly related to our transaction or
    experience with you. Consistent with the Fair Credit Reporting Act, we ask your permission
    before sharing P/NPI that is not directly related to our transaction or experience with you. Safeguarding data

We have physical, electronic, and procedural safeguards that protect the confidentiality
and security of P/NPI. Only employees who need to know the P/NPI to provide products or
services to you will have access. Access
You may request access to certain P/NPI we collect to provide you with products and
services. You must make your request in writing and send it to the mailing or e-mail
address below. The letter should include your full name, address, e-mail address, and
telephone number. Upon your request, we will send copies of the P/NPI to you. We may
charge a reasonable fee to cover our copying costs. This section applies to P/NPI we
collect to provide you product and services. It does not apply to P/NPI we collect in
anticipation of a civil or criminal proceeding. Correcting data errors
If you believe P/NPI we have about you is incorrect, please contact us. Your
correspondence should include your full name, address, e-mail address, and telephone
number. Your correspondence should also explain why you believe the P/NPI is inaccurate. If we agree with you, we will correct the P/NPI and notify you of the correction. If we
disagree with you, or are unable to make the correction, we will inform you of this decision
and its reason. If we are unwilling or unable to make the correction, you may submit a
statement to us which should include the reason(s) why you disagree with our decision not
to correct the P/NPI. We will file your statement with the disputed P/NPI and we will
include your statement any time we disclose the disputed P/NPI. Contacting Us
For additional information about OBS’s commitment to privacy, please visit
omegabenefitstrategiess.com, e-mail us at premium@omegabfs.com, or write to:
Charles Kennedy, Privacy Officer
Omega Benefit Strategies, LLC
P.O. Box 730
Falmouth, MA 02540
We reserve the right to modify this policy without notification to you; however, we will
provide you with a new policy if we make material changes to or privacy practices.