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Privacy Policy

Welcome to the website of Susan K. Ellingson LLC and its affiliates, which own and operate Susan K. Ellingson LLC and Susan K. Ellingson LLC (“Susan K. Ellingson LLC ,”, “Above & Beyond Benefits,” “we,” or “us”). This Privacy Policy applies to our websites, including (collectively, our “Services”). We provide this Privacy Policy to explain our practices regarding the collection, use, disclosure, and protection of information that apply to our Services, as well as your choices regarding the collection and use of information. Please take a few moments to read the sections below to make sure you understand our policies.

1. How We Collect and Use Information

Through our Services, we seek to offer individual and group insurance. Capitalized terms that are not defined in this Privacy Policy have the meaning given them in our Terms of Use.

Types of Personal information you provide us: We ask for personal information such as your name and email address if you correspond with us (in which case we will also retain our responses). We may also retain any messages you send through the Service.

Use of personal information: We may use the personal information we collect or receive to communicate directly with you. We may also send you emails containing newsletters, promotions and special offers that we believe may interest you. If you do not want to receive such email messages, we will give you the option to opt out or change your preferences.

2. Sharing of Your Information

We may share your personal information in the instances described below. For further information on our choices, see “Your Choices Regarding Your Information” section below. Remember, our Service allows you to connect and interact with others.

Who we may share your Personal information with:  We may share your information with other brands owned or controlled by Susan K. Ellingson LLC , which also includes our subsidiaries (i.e., any organization we own or control) or our ultimate holding company (i.e., any organization that owns or controls us). These companies will use your personal information in the same way as we can under this Policy. We may share your personal information with third party partners who provide a co-branded product, service, or promotion, or with other parties whose products and services we think you may enjoy.

Instances where we are required to share your Personal information: Susan K. Ellingson LLC will disclose Personal information where required to do so by law or subpoena or if we reasonably believe that such action is necessary to (a) comply with the law and the reasonable requests of law enforcement; (b) to enforce our Terms of Use, or to protect the security or integrity of our Services; and/or (c) to exercise or protect the rights, property, or personal safety of Susan K. Ellingson LLC , our Users or others.

3. How We Store and Protect Your Information

Storage and Processing: Personal information collected through the Services may be stored and processed in the United States or any other country in which Susan K. Ellingson LLC or its subsidiaries, affiliates or service providers maintain facilities.Susan K. Ellingson LLC may transfer information that we collect about you, including personal information, to affiliated entities, or to other third parties across borders and from your country or jurisdiction to other countries or jurisdictions around the world. If you are located in the European Union or other regions with laws governing data collection and use that may differ from U.S. law, please note that we may transfer information, including personal information, to a country and jurisdiction that does not have the same data protection laws as your jurisdiction, and you consent to the transfer of information to the U.S. or any other country in which Susan K. Ellingson LLC or its subsidiaries, affiliates or service providers maintain facilities and the use and disclosure of information about you, including Personal information, as described in this Privacy Policy.

Keeping your information safe: Susan K. Ellingson LLC cares about the security of your information, and uses commercially reasonable safeguards to preserve the integrity and security of all information collected through the Services. However, Susan K. Ellingson LLC cannot ensure or warrant the security of any information you transmit to us or guarantee that information on the Services may not be accessed, disclosed, altered, or destroyed.

4. Your Choices About Your Information

Opting out of collection of Personal information: You may, of course, decline to submit any Personal information through the Services, in which case Susan K. Ellingson LLC may not be able to provide certain services to you.

Online Advertising: We may permit third-party online advertising networks or ad servers to collect information about your use of our website over time so that they may play or display ads that may be relevant to your interests on our Service as well as on other websites or apps. Typically, the information we share is provided through cookies or similar tracking technologies. The only way to completely “opt out” of the collection of any information through cookies or other tracking technology is to actively manage the settings on your browser or mobile device. Please refer to your browser’s or mobile device’s technical information for instructions on how to delete and disable cookies, and other tracking/recording tools. (To learn more about cookies, clear gifs/web beacons and related technologies, you may wish to visit and/or the Network Advertising Initiative’s online resources, at If you access our service on your mobile device, you may not be able to control tracking technologies through settings.

5. Children’s Privacy
Susan K. Ellingson LLC does not knowingly collect or solicit Personal information from anyone under the age of 13. The Services and its content are not directed at children under the age of 13. If you are under 13, please do not send any information about yourself to us, including your name, address, telephone number, or email address. In the event that we learn that we have collected personal information from a child under age 13 without verification of parental consent, we will delete that information as quickly as possible. If you believe that we might have any information from or about a child under 13, please contact us.

6. Other Web Sites and Services
We are not responsible for the practices employed by websites or services linked to or from the Service, including the information or content contained therein. Please remember that when you use a link to go from the Service to another website, our Privacy Policy does not apply to third-party websites or services. Your browsing and interaction on any third-party website or service, including those that have a link on our website, are subject to that third party’s own rules and policies.

7. How to Contact Us
If you have any questions about this Privacy Policy or the Service, please contact us here.

8. Changes to Our Privacy Policy

Susan K. Ellingson LLC may, in its sole discretion, modify or update this Privacy Policy from time to time, and so you should review this page periodically. When we change the policy in a material manner, we will update the ‘last modified’ date at the bottom of this page.

This privacy policy was last modified on June 20, 2017.